STUDENT DEBT CRISIS (EIN 471565581) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2014

Legal Domicile

Principal Officer

NATALIA ABRAMS

Phone

3103651069

Tax Period

2021-01-01 to 2021-12-31

STUDENT DEBT CRISIS, founded in 2014, is a small nonprofit in the Education sector that reported $262K in total revenue in fiscal year 2021. Revenue decreased 6% compared to the prior year. Expenses of $312K exceeded revenue, resulting in a 19% operating deficit.

Mission

FUNDAMENTALLY REFORMING STUDENT DEBT AND HIGHER EDUCATION LOAN POLICIES

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2021)

Revenue Breakdown

Contributions & Grants $261,750

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $261,750

Expense Breakdown

Grants Paid $0

Salaries & Benefits $157,289

Fundraising Expenses $0

Program Expenses $311,865

Other Expenses $154,576

TOTAL EXPENSES $311,865

Year-over-Year Comparison

	2021	2020	Change
Revenue	$261,750	$278,456	-0.1%
Expenses	$311,865	$199,324	+0.6%
Net Income	$-50,115	$79,132	-1.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$145,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATALIA ABRAMS	President	30.00	Officer	$87,000	$0	$87,000
CODY HOUNAIAN	Secretary	20.00	Officer	$58,000	$0	$58,000
STEVEN ABRAMS	CFO	5.00	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2021	$261,750	$311,865	$55,244	$-50,115
2020	$278,456	$199,324	$104,708	$79,132

STUDENT DEBT CRISIS