CARE—Credit Abuse Resistance Education—is a volunteer service project delivered to high school seniors by attorneys and judges. It consists of a 50 minute classroom presentation on credit education and is a project of the U.S. Bankruptcy courts for the Western District of Missouri and the District of Kansas with the support of the Kansas City Bankruptcy Bar Association.

The goal of the CARE program is to give high school seniors knowledge about managing money and extended credit; an appreciation for the benefits of responsible use of credit and an awareness of the consequences of abusing credit.

High schools request a CARE speaker and schedule CARE class time. Attorneys sign up to visit the school(s) and speak to students for a 50 minutes class period. The school receives CARE booklets for each classroom presentation. Attorneys may attend a face-to-face CARE orientation if one is offered in their area, or view the online sample presentation on the website. A speaking outline is also provided.

CARE Program Participation

We prove CARE presentations to the greater Kansas City metropolitan area, Columbia MO, Topeka KS, Lawrence KS.

Learn how you can get involved.


The Credit Abuse Resistance Education program (CARE) was created in 2002 by New York Judge John C. Ninfo II retired United States Bankruptcy Judge for the Western District of New York. CARE is a personal finance literacy education outreach program that provides interested and caring judges, trustees, attorneys and court staff members from the legal community as speakers to high schools. The presenters share with students their unique knowledge and experiences and to provide them with lessons, tactics and techniques they need in order to help them lead a financially responsible, consumer debt-free life. The CARE Program has a presence in all fifty states and the District of Columbia.

The American media has dubbed this program a “scared straight” credit program for students. CARE is honored to be a national partner of the Jump$tart Coalition and a member of the National Financial Education Network.

Show Your Support

Show your support for CARE in Missouri and Kansas. If you represent a law firm or are an independent attorney, consider adding this line to your website: Attorneys CARE about credit education for Missouri and Kansas teens. We support CARE in Missouri and Kansas.