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Credit Abuse Resistance Education (CARE) Program


Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach students about the responsible use of credit and the consequences of credit card abuse. Upon his retirement, Judge Ninfo turned CARE over to the American Bankruptcy Institute in Alexandria, VA, where it expanded and developed into a nationally branded organization. In 2016, CARE received its 501(c)(3) status from the IRS and has emerged as a national nonprofit community service organization dedicated to inspiring smart financial decision making by students and young adults.

Program Overview

Credit Abuse Resistance Education (CARE) is a national presence in financial literacy education presenting to local classrooms and other venues using local professional volunteers who understand the characteristics and challenges of their local communities and can best relate this information to students.  In partnership with the Wyoming Bankruptcy Court and Chapter 13 Trustee, Adam Goodman, the Colorado Bankruptcy Court offers free, interactive presentations from bankruptcy judges and attorneys focused on the need for savings and budgets, the proper use of credit cards, and the economic and personal effects of credit card abuse. The curriculum covers three core personal financial management topics: budgeting, credit and student loans. 

Get Involved

To request a presentation or to register as a volunteer presenter, email

Additional Resources

Local CARE Program Brochure

National Credit Abuse Resistance Education Program

United States Courts Financial Literacy Resources