Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Jan 1999.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
80 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
10 people listed on the 990; $517K paid to officers and key staff.
Dayang Diane Chen’s $106K as Chairman/ Se is at the 40th percentile of top reported officer pay among 3869 $1–10M human services nonprofits. Peer set: organizations in the same NTEE major field of work and revenue-size band, compared on each org’s own highest-paid officer/key-employee, from Form 990 Part VII / 990-PF Part VIII. Descriptive placement, not a verdict on whether the pay is appropriate.
Compensation history total reportable pay by year · 7 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Michael Croxson | — | — | $189,806 | $235,952 | $258,858 | $266,789 |
| Steven Cole | — | — | $221,673 | $102,980 | $104,295 | $97,230 |
| Robb Czyzewski | — | $147,075 | $173,785 | — | — | — |
| Jean Elias | — | — | — | $159,926 | $154,316 | $152,637 |
| Steve Cole | — | $106,889 | — | — | — | — |
| Dayang Diane Chen | $106,234 | $106,301 | $79,028 | — | — | — |
| Joseph Battle | — | — | $101,000 | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Empowers people to overcome financial challenges and lead healthy financial lives.
Questions for Consumer Education Services INC
Your first name shows with your question. Consumer Education Services INC answers here, for everyone.
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This program assists clients in managing their personal finances through the provision of debt management services, credit counseling, education and training, and budget planning. Cesi offers assistance over the phone, online, and in person. Certified credit counselor's discuss various options with clients regarding financial decisions.
Community Education Outreach
Cesi supports the advancement of financial literacy education within local and state communities through a strong community outreach program. Outreach efforts include group education programs, usually in partnership with local community agencies or educational institutions.
Bankruptcy Counseling
Cesi offers bankruptcy counseling for individuals in need of either pre-filing credit counseling or post-filing debtor education. Before an individual files for chapter 7 or chapter 13 bankruptcy, a credit counseling certificate from an executive office for united states trustees (eoust) approved agency is required.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $2.1M | $4.2M |
| InvestmentsLn 11–13 | $17.5M | $14.5M |
| Land, buildings, equipmentLn 10c | $1.1M | $1.1M |
| Total assetsLn 16 | $23.7M | $23.5M |
| LiabilitiesLn 26 | $2.3M | $2.2M |
| Net assetsLn 32 | $21.4M | $21.3M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Pay of current officers, directors and key staffLn 5 | $409K | $82K | $327K | |
| Other salaries and wagesLn 7 | $2.9M | $2.4M | $505K | |
| Other employee benefitsLn 9 | $543K | $438K | $105K | |
| Payroll taxesLn 10 | $260K | $195K | $65K | |
| Investment management feesLn 11f | $108K | $108K | ||
| Other fees for servicesLn 11g | $103K | $27K | $76K | |
| Advertising and promotionLn 12 | $1.3M | $1.3M | $10K | |
| Office expensesLn 13 | $315K | $255K | $60K | |
| Information technologyLn 14 | $126K | $101K | $25K | |
| TravelLn 17 | $40K | $32K | $8K | |
| Conferences, conventions and meetingsLn 19 | $6K | $5K | $1K | |
| InterestLn 20 | $7K | $4K | $3K | |
| Depreciation, depletion and amortizationLn 22 | $60K | $51K | $9K | |
| InsuranceLn 23 | $62K | $50K | $12K | |
| Other expenses (24a–d)Ln 24 | $730K | $692K | $38K | |
| All other expensesLn 24e | $124K | $87K | $37K | |
| Total functional expensesLn 25 | $7.0M | $5.6M | $1.4M | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $1.3M | $3.7M | −$2.5M | $23.2M | 990 PDF |
| FY2024 | $2.8M | $2.9M | −$179K | $25.0M | 990 PDF |
| FY2023 | $5.4M | $6.0M | −$587K | $22.1M | 990 PDF |
| FY2022 | $7.5M | $5.4M | $2.1M | $22.4M | 990 PDF |
| FY2021 | $7.1M | $6.8M | $305K | $25.0M | 990 PDF |
| FY2020 Viewing | $7.9M | $7.0M | $857K | $21.3M | 990 PDF |
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Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $7,890,936 revenue, 12 lines filed
Part VI · Governance 7 of 7 board members independent, no flags
Part VIII · Statement of revenue $7,890,936 across 7 lines filed
Part IX · Statement of functional expenses $7,033,768 across 16 lines filed
Part X · Balance sheet $23,548,010 assets, 17 lines filed
Part XI · Reconciliation of net assets $21,314,827 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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