COLLEGE AFFORDABLE INC (EIN 883690739) - 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

2022

Legal Domicile

Principal Officer

BRIAN GARDINER

Phone

7813431941

Tax Period

2025-01-01 to 2025-12-31

COLLEGE AFFORDABLE INC, founded in 2022, is a small nonprofit in the Education sector that reported $733K in total revenue in fiscal year 2025. Revenue surged 53% from the prior year, signaling strong growth momentum. Expenses of $695K left a modest 5% surplus.

Mission

COLLEGE AFFORDABLE IS A NON PROFIT ORGANIZATION BUILT TO HELP FAMILIES REDUCE THE COST OFCOLLEGE, MINIMIZE DEBT AND INCREASE HIGHER EDUCATION CHOICES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $576,294

Program Service Revenue $156,553

Investment Income $0

Other Revenue $0

TOTAL REVENUE $732,847

Expense Breakdown

Grants Paid $0

Salaries & Benefits $546,862

Fundraising Expenses $92,731

Program Expenses $521,549

Other Expenses $148,477

TOTAL EXPENSES $695,339

Year-over-Year Comparison

	2025	2024	Change
Revenue	$732,847	$478,589	+0.5%
Expenses	$695,339	$498,837	+0.4%
Net Income	$37,508	$-20,248	-2.9%

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

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

$204,278

Total Directors

$1,530

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREGG COHEN	CHAIR & DIRECTOR	10.00	Officer Director	$1,530	$0	$1,530
POLLY ROSS RIBATT	TREASURER & DIRECTOR	10.00	Officer Director	$0	$0	$0
ALEXIS MONGO	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW MALATESTA	DIRECTOR	1.00	Director	$0	$0	$0
WENDY KOHLER	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MAHONEY	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH FUNG	DIRECTOR (AS OF 6/2025)	1.00	Director	$0	$0	$0
VICTORIA NESSEN	DIRECTOR (AS OF 8/2025)	1.00	Director	$0	$0	$0
BRIAN GARDINER	EXECUTIVE DIRECTOR/CLERK	40.00	Officer	$195,520	$7,228	$202,748
LYNETTE O'LEARY	DIRECTOR OF FINANCIAL AID	40.00	Highest	$143,038	$5,351	$148,389

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
2025	$732,847	$695,339	$112,562	$37,508
2024	$478,589	$498,837	$86,662	$-20,248
2023	$243,496	$195,986	$57,187	$47,510

COLLEGE AFFORDABLE INC