INCHARGE INSTITUTE OF AMERICA INC: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: INCHARGE INSTITUTE OF AMERICA INC (EIN 52-2196183)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-10-30
IRS object ID: 202403049349301940
Schema version: 2023v5.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule A
Schedule J
Schedule N
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-10-30T12:59:49-05:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	521853933	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	JM&M	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	10500 LITTLE PATUXENT PARKWAY SUITE	AddressLine1Txt
Address Line2	770	AddressLine2Txt
City	COLUMBIA	CityNm
State Abbreviation	MD	StateAbbreviationCd
ZIP	21044	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	522196183	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	INCHARGE INSTITUTE OF AMERICA INC	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	INCH	BusinessNameControlTxt
Phone	4072917770	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD 320	AddressLine1Txt
City	ORLANDO	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32819	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	LORETTA RONEY	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	4072917770	PhoneNum
Signature	2024-10-29	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	TINA PEACHER	PreparerPersonNm
PTIN	P01608826	PTIN
Phone	4108840220	PhoneNum

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2024-10-15 13:58:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Final Return	Yes (X)	FinalReturnInd
Principal Officer	LORETTA RONEY	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD 320	AddressLine1Txt
City	ORLANDO	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32819	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$3,187,949	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c3	Yes (X)	Organization501c3Ind
Website Address	WWW.INCHARGE.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1999	FormationYr
Legal Domicile State	DE	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE GENERAL AND ADMINISTRATIVE SUPPORT TO AFFILIATED ENTITIES AND PERSONAL FINANCIAL EDUCATIONAL CONTENT TO CONSUMERS ON THE MILITARYMONEY WEBSITE.	ActivityOrMissionDesc
Contract Termination	Yes (X)	ContractTerminationInd
Voting Members Governing Body	2	VotingMembersGoverningBodyCnt
Voting Members Independent	1	VotingMembersIndependentCnt
Total Employee	9	TotalEmployeeCnt
Total Volunteers	1	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$1,246,355	PYProgramServiceRevenueAmt
CY Program Service Revenue	$449,204	CYProgramServiceRevenueAmt
PY Investment Income	-$28,808	PYInvestmentIncomeAmt
CY Investment Income	-$163,217	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$1,217,547	PYTotalRevenueAmt
CY Total Revenue	$285,987	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$806,381	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$295,058	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$403,884	PYOtherExpensesAmt
CY Other Expenses	$3,626,136	CYOtherExpensesAmt
PY Total Expenses	$1,210,265	PYTotalExpensesAmt
CY Total Expenses	$3,921,194	CYTotalExpensesAmt
PY Revenues Less Expenses	$7,282	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	-$3,635,207	CYRevenuesLessExpensesAmt
Total Assets BOY	$3,595,478	TotalAssetsBOYAmt
Total Assets EOY	$0	TotalAssetsEOYAmt
Total Liabilities BOY	$193,513	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$0	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$3,401,965	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$0	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	INCHARGE INSTITUTE OF AMERICA PROVIDES MANAGEMENT SUPPORT SERVICES TO AFFILIATED ENTITIES AND PERSONAL FINANCIAL EDUCATIONAL CONTENT TO CONSUMERS ON THE MILITARYMONEY WEBSITE.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$1,193,188	ExpenseAmt
Revenue	$449,204	RevenueAmt
Desc	CREDIT COUNSELING AND EDUCATION - INCHARGE INSTITUTE OF AMERICA ("ICI") PROVIDES ADMINISTRATIVE SUPPORT TO INCHARGE DEBT SOLUTIONS ("IDS") IN THE AREA OF CREDIT COUNSELING AND EDUCATION. THIS PROGRAM ASSISTS CONSUMERS IN MANAGING THEIR PERSONAL FINANCES THROUGH THE PROVISION OF SOLUTIONS-BASED CREDIT COUNSELING, BUDGET PLANNING AND FINANCIAL EDUCATIONAL MATERIALS. SOLUTIONS-BASED COUNSELING IS DESIGNED TO FIND THE RIGHT SOLUTION FOR EACH DEBT DISTRESSED CONSUMER. OVER 70,000 FINANCIALLY DISTRESSED INDIVIDUALS RECEIVED CREDIT COUNSELING, AND FINANCIAL EDUCATIONAL MATERIALS DURING 2023. FINANCIAL EDUCATIONAL MATERIALS ASSIST CONSUMERS IN ACQUIRING AND IMPROVING MONEY MANAGEMENT SKILLS AND MANAGING CREDIT. CREDIT COUNSELING SERVICES ARE OFFERED IN PERSON FOR INDIVIDUALS RESIDING IN THE CENTRAL FLORIDA AREA, AND NATIONALLY OVER THE TELEPHONE AND THROUGH THE INTERNET.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Expense	$397,729	ExpenseAmt
Desc	DEBT MANAGEMENT - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF DEBT MANAGEMENT SERVICES. IDS OFFERS DEBT MANAGEMENT PROGRAMS TO ASSIST CONSUMERS IN PAYING OFF THEIR UNSECURED DEBTS AND TO BETTER MANAGE THEIR FINANCIAL OBLIGATIONS IN THE FUTURE. IDS PROCESSES DEBT PAYMENTS, ATTEMPTS TO SECURE A REDUCTION IN INTEREST RATES, AND ATTEMPTS TO ESTABLISH AFFORDABLE MONTHLY PAYMENTS ON THE CLIENTS' BEHALF. CLIENTS ARE PROVIDED INITIAL AND CONTINUING EDUCATIONAL ASSISTANCE THROUGH FINANCIAL EDUCATIONAL MATERIALS AND GUIDANCE IN FINANCIAL MATTERS AS DETERMINED BY THEIR NEEDS.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Expense	$55,859	ExpenseAmt
Desc	EDUCATIONAL PROGRAM DEVELOPMENT/OUTREACH - ICI PROVIDED ADMINISTRATIVE SUPPORT SERVICES TO INCHARGE EDUCATION FOUNDATION (THE "FOUNDATION") WHOSE MISSION IS TO PROVIDE EDUCATIONAL MATERIALS, PROGRAMS, AND OUTREACH SERVICES FOR IDS FINANCIALLY DISTRESSED INDIVIDUALS AND FAMILIES. THE FOUNDATION FULFILLS THIS MISSION BY PUBLISHING WEBSITE ARTICLES, NEWSLETTERS, ONLINE COURSES, INTERACTIVE TOOLS, AND WORKSHOPS THAT PROVIDE INFORMATION ABOUT MONEY MANAGEMENT, PERSONAL FINANCE AND THE RESPONSIBLE USE OF CREDIT. THE FOUNDATION, IN CONJUNCTION WITH IDS, ALSO CONDUCTS FREE FINANCIAL LITERACY WORKSHOPS AND HOMEBUYER EDUCATION CLASSES FOR THE GENERAL PUBLIC.	Desc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp (2 entries)

ExpenseExpenseAmt	DescDesc
$37,970	HOUSING COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF HOUSING COUNSELING AND EDUCATION SERVICES. IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC"), WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN HOME OWNERSHIP AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS.
$31,949	BANKRUPTCY COUNSELING/DEBTOR EDUCATION - ICI PROVIDED ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF BANKRUPTCY COUNSELING AND DEBTOR EDUCATION SERVICES. BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND WEB-BASED DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE.

ExpenseExpenseAmt

DescDesc

$37,970

HOUSING COUNSELING AND EDUCATION - ICI PROVIDES ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF HOUSING COUNSELING AND EDUCATION SERVICES. IDS IS A LOCAL U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ("HUD") APPROVED AGENCY IN THE STATE OF FLORIDA AND A MEMBER OF THE NATIONAL FOUNDATION FOR CREDIT COUNSELING ("NFCC"), WHICH ENABLES IDS TO SERVE CONSUMERS ON A NATIONWIDE BASIS. HOUSING COUNSELING SERVICES INCLUDE FORECLOSURE PREVENTION, HOMEBUYER EDUCATION AND PRE-PURCHASE HOMEBUYER COUNSELING. FORECLOSURE PREVENTION IS DESIGNED TO PROVIDE EXISTING BORROWERS WITH INFORMATION AND ASSISTANCE NEEDED TO AVOID FORECLOSURE. PROGRAM HIGHLIGHTS INCLUDE BUDGET PLANNING, EVALUATION OF ELIGIBILITY FOR LOAN MODIFICATION, ASSESSMENT OF ABILITY TO SUSTAIN HOME OWNERSHIP AND ALTERNATIVE HOUSING OPTIONS. HOMEBUYER EDUCATION IS DESIGNED TO BETTER PREPARE POTENTIAL HOMEOWNERS FOR HOMEOWNERSHIP. PARTICIPANTS EXAMINE THEIR HOUSING NEEDS, ANALYZE THEIR FINANCIAL SITUATION AND LEARN STRATEGIES TO IMPROVE FINANCIAL MANAGEMENT IN AN EFFORT TO BETTER PREPARE FOR HOMEOWNERSHIP. PARTICIPANTS ALSO LEARN HOW TO SHOP FOR A HOME, OBTAIN A MORTGAGE AND PREPARE FOR LIFE AS A HOMEOWNER. PRE-PURCHASE HOMEBUYER COUNSELING, A PERSONAL ONE-ON-ONE SESSION, IS OFFERED TO PROVIDE EDUCATION AND TIPS TO ASSIST POTENTIAL HOMEBUYERS IN IMPROVING FINANCIAL MANAGEMENT SKILLS AND UNDERSTANDING ALTERNATIVE SOURCES OF FUNDING AND MORTGAGE OPTIONS.

$31,949

BANKRUPTCY COUNSELING/DEBTOR EDUCATION - ICI PROVIDED ADMINISTRATIVE SUPPORT TO IDS IN THE AREA OF BANKRUPTCY COUNSELING AND DEBTOR EDUCATION SERVICES. BANKRUPTCY LEGISLATION ENACTED BY CONGRESS IN 2005 REQUIRES INDIVIDUALS FILING FOR BANKRUPTCY TO COMPLETE A BANKRUPTCY CREDIT COUNSELING SESSION PRIOR TO FILING, AND AN INSTRUCTIONAL COURSE IN PERSONAL FINANCIAL MANAGEMENT (DEBTOR EDUCATION) PRIOR TO RECEIVING A BANKRUPTCY DISCHARGE. TO OFFER CONVENIENT, ON-DEMAND ACCESS TO THIS REQUIRED CONTENT, IDS PROVIDES INTERACTIVE WEB-BASED AND TELEPHONIC BANKRUPTCY CREDIT COUNSELING AND WEB-BASED DEBTOR EDUCATION PROGRAMS. BOTH PROGRAMS ISSUE CERTIFICATES TO INDIVIDUALS WHO COMPLETE EACH PROGRAM AS REQUIRED BY THE TITLE 11 BANKRUPTCY CODE.

Field	Value	IRS element (for citing)
Total Other Prog Srvc Expense	$69,919	TotalOtherProgSrvcExpenseAmt
Total Program Service Expenses	$1,716,695	TotalProgramServiceExpensesAmt
Described In Section501c3	Yes (1)	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Lobbying Activities	0	LobbyingActivitiesInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	0	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	0	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Engaged In Excess Benefit Trans	0	EngagedInExcessBenefitTransInd
PY Excess Benefit Trans	0	PYExcessBenefitTransInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	Yes (1)	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Trnsfr Exmpt Non Chrtbl Rltd Org	0	TrnsfrExmptNonChrtblRltdOrgInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	5	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	9	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Quid Pro Quo Contributions	0	QuidProQuoContributionsInd
Form8282 Property Disposed Of	0	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	0	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	0	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	2	GoverningBodyVotingMembersCnt
Independent Voting Member	1	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	0	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	0	CompensationProcessCEOInd
Compensation Process Other	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	SEIJI SHIRAISHI	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	4072917770	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5750 MAJOR BLVD 320	AddressLine1Txt
City	ORLANDO	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	32819	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (5 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
RICHARD ANDERSON
TRUSTEE	1.00	1.00	Yes (X)	$0	$0	$0
ETTA W MONEY
PRESIDENT/CEO UNTIL MAY	1.00	49.00	Yes (X)	$0	$214,007	$25,206	Yes (X)
SEIJI SHIRAISHI
DIR. OF ACCOUNTING AND FINANCE	11.00	34.00		$35,219	$104,554	$29,251	Yes (X)
WILLIAM MALSEED
SECRETARY/TREASURER UNTIL MAY	1.00	44.00		$0	$129,815	$10,387	Yes (X)
LORETTA RONEY
PRESIDENT & CEO AS OF JUNE	1.00	49.00		$0	$224,219	$9,006	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$35,219	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$672,595	TotReportableCompRltdOrgAmt
Total Other Compensation	$73,850	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	0	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	SUPPORT SERVICE INCOME	Desc
Business	900099	BusinessCd
Total Revenue Column	$449,204	TotalRevenueColumnAmt
Related Or Exempt Func Income	$449,204	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$449,204	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$18,354	TotalRevenueColumnAmt
Exclusion	$18,354	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$2,720,391	SecuritiesAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$2,901,962	SecuritiesAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$181,571	SecuritiesAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$181,571	TotalRevenueColumnAmt
Exclusion	-$181,571	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$285,987	TotalRevenueColumnAmt
Related Or Exempt Func Income	$449,204	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	-$163,217	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$72,318	TotalAmt
Program Services	$69,869	ProgramServicesAmt
Management And General	$2,449	ManagementAndGeneralAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$186,119	TotalAmt
Program Services	$179,815	ProgramServicesAmt
Management And General	$6,304	ManagementAndGeneralAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$20,675	TotalAmt
Program Services	$19,975	ProgramServicesAmt
Management And General	$700	ManagementAndGeneralAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$15,946	TotalAmt
Program Services	$15,406	ProgramServicesAmt
Management And General	$540	ManagementAndGeneralAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$6,849	TotalAmt
Program Services	$6,095	ProgramServicesAmt
Management And General	$754	ManagementAndGeneralAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$15,402	TotalAmt
Program Services	$15,402	ProgramServicesAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$20,516	TotalAmt
Program Services	$19,821	ProgramServicesAmt
Management And General	$695	ManagementAndGeneralAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$10,481	TotalAmt
Program Services	$10,126	ProgramServicesAmt
Management And General	$355	ManagementAndGeneralAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$14,487	TotalAmt
Program Services	$13,996	ProgramServicesAmt
Management And General	$491	ManagementAndGeneralAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$5,232	TotalAmt
Program Services	$5,055	ProgramServicesAmt
Management And General	$177	ManagementAndGeneralAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$1,500	TotalAmt
Program Services	$1,449	ProgramServicesAmt
Management And General	$51	ManagementAndGeneralAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$3,440,808	TotalAmt
Program Services	$1,252,579	ProgramServicesAmt
Management And General	$2,188,229	ManagementAndGeneralAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$24,688	TotalAmt
Program Services	$23,852	ProgramServicesAmt
Management And General	$836	ManagementAndGeneralAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$54,243	TotalAmt
Program Services	$52,406	ProgramServicesAmt
Management And General	$1,837	ManagementAndGeneralAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt	Program ServicesProgramServicesAmt	Management And GeneralManagementAndGeneralAmt
RECRUIT. & RELOCATION	$27,940	$26,994	$946
EDUCATION	$1,780	$1,720	$60
MISCELLANEOUS	$1,750	$1,691	$59
OTHER PROGRAM SERVICES	$315	$304	$11

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$145	TotalAmt
Program Services	$140	ProgramServicesAmt
Management And General	$5	ManagementAndGeneralAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,921,194	TotalAmt
Program Services	$1,716,695	ProgramServicesAmt
Management And General	$2,204,499	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$419,146	BOYAmt
EOY	$0	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$535,028	BOYAmt
EOY	$0	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$351,690	BOYAmt
EOY	$0	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$232,943	BOYAmt
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$0	LandBldgEquipCostOrOtherBssAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$227,970	BOYAmt
EOY	$0	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$1,790,632	BOYAmt
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
EOY	$0	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$38,069	BOYAmt
EOY	$0	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$3,595,478	BOYAmt
EOY	$0	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$171,912	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$21,601	BOYAmt
EOY	$0	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$193,513	BOYAmt
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Organization Follows FASB117	Yes (X)	OrganizationFollowsFASB117Ind

No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp

Field	Value	IRS element (for citing)
BOY	$3,401,965	BOYAmt
EOY	$0	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$3,401,965	BOYAmt
EOY	$0	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$3,595,478	BOYAmt
EOY	$0	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	-$3,635,207	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$233,242	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule A IRS990ScheduleA

Field	Value	IRS element (for citing)
Supporting Organization509a3	Yes (X)	SupportingOrganization509a3Ind
Supporting Org Type3 Func Int	Yes (X)	SupportingOrgType3FuncIntInd
Supported Organizations	1	SupportedOrganizationsCnt

Supported Org Information SupportedOrgInformationGrp

Supported Organization Name SupportedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	INCHARGE DEBT SOLUTIONS	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
EIN	330770440	EIN
Organization Type	7	OrganizationTypeCd
Governing Document Listed	Yes (1)	GoverningDocumentListedInd
Support	$449,204	SupportAmt
Other Support	$0	OtherSupportAmt

Field	Value	IRS element (for citing)
Supported Organizations Total	1	SupportedOrganizationsTotalCnt
Support Sum	$449,204	SupportSumAmt
Other Support Sum	$0	OtherSupportSumAmt

Form990 Sch A Supporting Org Form990SchASupportingOrgGrp

Field	Value	IRS element (for citing)
Listed By Name Governing Doc	Yes (1)	ListedByNameGoverningDocInd
Suprt Org No IRS Determination	0	SuprtOrgNoIRSDeterminationInd
Supported Org Section C456	0	SupportedOrgSectionC456Ind
Supported Org Not Organized US	0	SupportedOrgNotOrganizedUSInd
Organization Change Suprt Org	0	OrganizationChangeSuprtOrgInd
Support Non Supported Org	0	SupportNonSupportedOrgInd
Payment Substantial Contribtr	0	PaymentSubstantialContribtrInd
Loan Disqualified Person	0	LoanDisqualifiedPersonInd
Controlled Disqualified Prsn	0	ControlledDisqualifiedPrsnInd
Disqualified Prsn Controll Int	0	DisqualifiedPrsnControllIntInd
Disqualified Prsn Ownr Int	0	DisqualifiedPrsnOwnrIntInd
Excess Business Holdings Rules	0	ExcessBusinessHoldingsRulesInd
Contribution Controller	0	ContributionControllerInd
Contribution Family	0	ContributionFamilyInd
Contribution35 Controlled	0	Contribution35ControlledInd

Form990 Sch A Type3 Sprt Org All Form990SchAType3SprtOrgAllGrp

Field	Value	IRS element (for citing)
Timely Provided Documents	Yes (1)	TimelyProvidedDocumentsInd
Officers Close Relationship	Yes (1)	OfficersCloseRelationshipInd
Supported Org Voice Investment	Yes (1)	SupportedOrgVoiceInvestmentInd

Form990 Sch A Type3 Func Int Form990SchAType3FuncIntGrp

Field	Value	IRS element (for citing)
Activities Test	Yes (X)	ActivitiesTestInd
Activities Further Exempt Prps	Yes (1)	ActivitiesFurtherExemptPrpsInd
Activities Engaged Org Invlmnt	Yes (1)	ActivitiesEngagedOrgInvlmntInd

Form990 Schedule A Part VI Form990ScheduleAPartVIGrp (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE A, PAGE 5, SECTION D, PART IV, LINE 3:	THE SUPPORTED ORGANIZATION'S (INCHARGE DEBT SOLUTIONS) OFFICERS ARE THE SAME INDIVIDUALS AS THE SUPPORTING ORGANIZATION'S (INCHARGE INSTITUTE OF AMERICA) OFFICERS. ACCORDINGLY, THE ESTABLISHMENT AND MONITORING OF INVESTMENT POLICIES AND DIRECTION PROVIDED AS TO THE USE OF INCOME AND ASSETS OF THE SUPPORTING ORGANIZATION ARE UNDER COMMON CONTROL.
SCHEDULE A, PAGE 5, SECTION E, PART IV, LINE 2A:	THE FILING ORGANIZATION'S FUNCTIONAL AREAS (E.G. ACCOUNTING/FINANCE, FACILITIES, AND HUMAN RESOURCES) PROVIDE GENERAL AND ADMINISTRATIVE "BACK-END" SUPPORT TO THE SUPPORTED ORGANIZATION (INCHARGE DEBT SOLUTIONS). WITHOUT THESE ESSENTIAL SERVICES, THE SUPPORTED ORGANIZATION WOULD NOT BE ABLE TO FUNCTION AND CARRY OUT ITS MISSION. THERE WERE NO OTHER ACTIVITIES CONDUCTED BY THE FILING ORGANIZATION.
SCHEDULE A, PAGE 5, SECTION E, PART IV, LINE 2B:	THE GENERAL AND ADMINISTRATIVE SUPPORTING ACTIVITIES MENTIONED ABOVE PROVIDED BY INCHARGE INSTITUTE TO INCHARGE DEBT SOLUTIONS ARE ESSENTIAL TO ONGOING ACTIVITIES. IF NOT PROVIDED BY INCHARGE INSTITUTE, INCHARGE DEBT SOLUTIONS WOULD HAVE TO STAFF AND PROVIDE THE SERVICES.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd
Comp Based On Revenue Of Flng Org	0	CompBasedOnRevenueOfFlngOrgInd
Comp Bsd On Rev Related Orgs	0	CompBsdOnRevRelatedOrgsInd
Comp Bsd Net Earns Flng Org	0	CompBsdNetEarnsFlngOrgInd
Comp Bsd Net Earns Rltd Orgs	0	CompBsdNetEarnsRltdOrgsInd
Any Non Fixed Payments	Yes (1)	AnyNonFixedPaymentsInd
Initial Contract Exception	0	InitialContractExceptionInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (3 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
ETTA W MONEY
PRESIDENT/CEO UNTIL MAY	$0	$176,507	$0	$35,000	$0	$2,500	$0	$17,786	$0	$7,420	$0	$239,213	$0	$0
LORETTA RONEY
PRESIDENT & CEO AS OF JUNE	$0	$220,719	$0	$0	$0	$3,500	$0	$3,365	$0	$5,641	$0	$233,225	$0	$0
SEIJI SHIRAISHI
DIR. OF ACCOUNTING AND FINANCE	$35,219	$101,554	$0	$0	$0	$3,000	$0	$6,361	$0	$22,890	$35,219	$133,805	$0	$0

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 4B	THE ORGANIZATION HAS A TAX-EXEMPT 457(B) DEFERRED COMPENSATION PLAN FOR CERTAIN KEY EXECUTIVES. A PORTION OF THE PARTICIPATING EXECUTIVES' COMPENSATION IS DEFERRED. PER IRS REQUIREMENTS, ALL PLAN AMOUNTS MUST BE SUBJECT TO THE CLAIMS OF IDS' CREDITORS, AND AS SUCH, A DEFERRED COMPENSATION ASSET AND CORRESPONDING DEFERRED LIABILITY ARE INCLUDED IN THE STATEMENTS OF FINANCIAL POSITION. DURING 2023, PARTICIPANTS IN THE PLAN INCLUDED ETTA W. MONEY AND WILLIAM R. MALSEED. INCLUDED IN SCHEDULE J, COLUMN (C) ARE AMOUNTS DEFERRED DURING 2023 AND EARNINGS ON AMOUNTS DEFERRED.
PART I, LINE 7	THE NON-FIXED PAYMENTS REPRESENT NOMINAL AMOUNTS GRANTED BY THE BOARD OF TRUSTEES IN RECOGNITION OF ANNUAL GOAL ACHIEVEMENTS AS SPECIFIED IN THE STRATEGIC PLAN.
PART I, QUESTION 3:	A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE OF INCHARGE DEBT SOLUTIONS DETERMINES THE SALARY OF THE OFFICERS OF INCHARGE INSTITUTE OF AMERICA ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED AS THE BASIS FOR OFFICER COMPENSATION ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE SALARY INCREASES BASED ON AN EVALUATION OF PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN FEBRUARY OF 2023.

Schedule N IRS990ScheduleN

Liquidation Of Assets Table LiquidationOfAssetsTableGrp

Liquidation Of Assets Detail LiquidationOfAssetsDetail (6 entries)

Assets Distri Or Expnss PaidAssetsDistriOrExpnssPaidDesc	DistributionDistributionDt	Fair Market Value Of AssetFairMarketValueOfAssetAmt	Method Of FMV DeterminationMethodOfFMVDeterminationTxt	EINEIN	Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	IRC SectionIRCSectionTxt
INCHARGE EDUCATION FOUNDATION INC
CASH TRANSFER	2023-08-31	$123,216	ACTUAL VALUE	200152720	5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	501(C)(3)
INCHARGE DEBT SOLUTIONS
UNUSED GRANT FUNDS	2023-08-31	$1,285,000	COST	330770440	5750 MAJOR BLVD SUITE 300	ORLANDO	FL	32819	501(C)(3)
INCHARGE EDUCATION FOUNDATION INC
INVESTMENTS	2023-08-31	$479,287	FAIR MARKET VALUE	200152720	5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	501(C)(3)
INCHARGE EDUCATION FOUNDATION INC
FIXED ASSETS	2023-08-31	$29,377	FAIR MARKET VALUE	200152720	5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	501(C)(3)
INCHARGE EDUCATION FOUNDATION INC
WEBSITE	2023-08-31	$173,694	FAIR MARKET VALUE	200152720	5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	501(C)(3)
INCHARGE EDUCATION FOUNDATION INC
DEPOSITS	2023-08-31	$38,069	ACTUAL AMOUNT	200152720	5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	501(C)(3)

Field	Value	IRS element (for citing)
Director Of Successor	0	DirectorOfSuccessorInd
Employee Of Successor	0	EmployeeOfSuccessorInd
Owner Of Successor	0	OwnerOfSuccessorInd
Receive Compensation	0	ReceiveCompensationInd
Assets Distributed	0	AssetsDistributedInd
Required To Notify AG	0	RequiredToNotifyAGInd
Attorney General Notified	0	AttorneyGeneralNotifiedInd
Liabilities Paid	0	LiabilitiesPaidInd
Bonds Outstanding	0	BondsOutstandingInd

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (5 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION B, LINE 11B	THE BOARD OF TRUSTEES, THE DIRECTOR OF ACCOUNTING AND FINANCE, THE PRESIDENT AND THE AUDIT COMMITEE OF INCHARGE DEBT SOLUTIONS REVIEW AND APPROVE THE FORM 990 PRIOR TO ITS FILING.
FORM 990, PART VI, SECTION B, LINE 12C	OFFICERS, TRUSTEES AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANY POTENTIAL CONFLICTS OF INTEREST ON A CONFLICT OF INTEREST FORM THAT IS COMPLETED ANNUALLY. POTENTIAL CONFLICTS ARE TO BE REPORTED TO THE ORGANIZATION AS SOON AS KNOWN. FOLLOW UP IS PERFORMED TO ENSURE ALL CONFLICT OF INTEREST FORMS ARE RECEIVED. ALL NOTED ITEMS ON CONFLICT OF INTEREST FORMS RECEIVED FROM OTHER THAN TRUSTEES ARE INVESTIGATED BEFORE PROVIDING THE FORMS TO THE GOVERNANCE COMMITTEE. NOTED ITEMS ON CONFLICT OF INTEREST FORMS RECEIVED FROM TRUSTEES ARE INVESTIGATED BY THE GOVERNANCE COMMITTEE.
FORM 990, PART VI, SECTION B, LINE 15	A SEPARATE BOARD APPOINTED COMPENSATION COMMITTEE OF INCHARGE DEBT SOLUTIONS DETERMINES THE SALARY OF THE OFFICERS OF INCHARGE INSTITUTE OF AMERICA ON AN ANNUAL BASIS. SALARY COMPARABILITY DATA AND PERFORMANCE IS REVIEWED AS THE BASIS FOR OFFICER COMPENSATION ANNUALLY. ON A REGULAR BASIS, AN INDEPENDENT COMPENSATION CONSULTANT MAY BE USED TO PERFORM A COMPENSATION SURVEY OR STUDY. KEY EMPLOYEES MAY RECEIVE SALARY INCREASES BASED ON AN EVALUATION OF PERFORMANCE. PERIODICALLY, KEY EMPLOYEES' SALARIES ARE COMPARED TO MARKET DATA. THE LAST COMPENSATION REVIEW WAS CONDUCTED IN FEBRUARY 2023.
FORM 990, PART VI, SECTION C, LINE 18	THE ORGANIZATION MAKES ITS FORM 1023 AND FORM 990 AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FORM 990 IS ALSO AVAILABLE ON GUIDESTAR.ORG.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION PROVIDES COPIES OF ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AS VALID REQUESTS ARE RECEIVED.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Exempt Code SectionExemptCodeSectionTxt	Public Charity StatusPublicCharityStatusTxt	Direct Controlling NADirectControllingNACd	Controlled OrganizationControlledOrganizationInd
INCHARGE DEBT SOLUTIONS
5750 MAJOR BLVD SUITE 300	ORLANDO	FL	32819	330770440	FINANCIAL COUNSELING	NV	501(C)(3)	LINE 7	N/A	0
INCHARGE EDUCATION FOUNDATION INC
5750 MAJOR BLVD SUITE 310	ORLANDO	FL	32819	200152720	DEVELOP FINANCIAL EDUCATIONAL MATERIALS AND RESOURCES	DE	501(C)(3)	LINE 12C, III-FI	N/A	0

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	Yes (1)	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	Yes (1)	SharingOfFacilitiesInd
Paid Employees Sharing	Yes (1)	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	Yes (1)	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	Yes (1)	TransferToOtherOrgInd
Transfer From Other Org	Yes (1)	TransferFromOtherOrgInd