Student Loan Fund Inc

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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

2021

Legal Domicile

Principal Officer

CRISTHER S ESTRADA-PEREZ

Phone

2039038453

Tax Period

2023-01-01 to 2023-12-31

Student Loan Fund Inc, founded in 2021, is a small nonprofit in the Education sector that reported $237K in total revenue in fiscal year 2023. Revenue fell 22% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $74K, a strong 31% operating margin.

Mission

SLF mission is to reconstruct predatory higher education lending syste promoting free college education and cancellation of student debt .

Program Service Accomplishments

Program 1

Expenses: $116,839 Revenue: $132,180

SLF is working collaboratively with other education mission organizations to alert student loan borrowers of legislative rulings that could potentially reduce or cancel student loan debt (i.e Public Service Loan Cancellation under the COVID Relief Act). As a result, many student loan borrowers have received or are closer to receiving debt cancellation through Public Service Loan Forgiveness.

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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 (2023)

Revenue Breakdown

Contributions & Grants $237,180

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $237,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,069

Fundraising Expenses $0

Program Expenses $116,839

Other Expenses $75,899

TOTAL EXPENSES $162,968

Year-over-Year Comparison

	2023	2022	Change
Revenue	$237,180	$305,759	-0.2%
Expenses	$162,968	$177,156	-0.1%
Net Income	$74,212	$128,603	-0.4%

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

Employees

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNE WATKINS	Board Member	N/A	Director	$0	$0	$0
FAHD VAHIDY	Treasurer	N/A	Director	$0	$0	$0
CRISTHER S ESTRADA-PEREZ	Executive Director	N/A	Officer	$0	$0	$0
LINDSEY TENGATENGA	Baord Member	N/A	Director	$0	$0	$0
JOEL HICKS-RIVERA	Board Member	N/A	Director	$0	$0	$0
MARINA RODRIGUEZ	Board Member	N/A	Director	$0	$0	$0
LUKE HERRINE	Board Member	N/A	Director	$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
2024	No data	No data	No data	No data
2023	$237,180	$162,968	$208,103	$74,212
2022	$305,759	$177,156	$168,605	$128,603