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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

A free, interactive presentation by judges and lawyers focusing on the proper use of credit cards; the cost of credit, the need for savings and budgets, the effects of credit card use and abuse on credit availability, employment, and future educational opportunities; and the economic and personal effects of credit card abuse.

Get Involved

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

Additional Resources

National Credit Abuse Resistance Education Program

United States Courts Financial Literacy Resources