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Your guide to smartly financing your education

Who We Are

This project was produced by CENTS. CENTS (Consumer Education and Training Services) is a nonprofit co-founded by Federal Bankruptcy Judge Karen A. Overstreet and Seattle bankruptcy professionals. The organization’s mission is to teach individuals how to make informed financial decisions.

CENTS is a 501(c)(3) non-profit organization with a demonstrated commitment to creating effective money management educational programs for the community. CENTS offers a number of free financial education programs, including Money Sense, a 2 hour money management course; Financial Evaluator, an online program to help people evaluate their financial standing; Smart Borrowing, a 40 minute educational video and workbook about making wise borrowing choices; as well as other educational resources available on its website. To learn more about CENTS and its programs, please see

Please contact with questions.