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  • Precautions for co-signers. What responsibilities are you really assuming for a loved one?
  • Differences between debt settlement, debt management and debt consolidation: Similar names, very different outcomes
  • Unexpected consequences of bad credit, such as higher insurance premiums, utility security deposits and denial for employment
  • How to determine the right student loan repayment plan for you – did you know there are more than 100?

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Andrea Aker
Aker Ink

Corporate Overview

Founded in 1987, Take Charge America is a nonprofit agency offering financial education and counseling services including:

  • Credit counseling
  • Debt management
  • Student loan counseling
  • Housing counseling
  • Bankruptcy counseling

We have helped more than 2 million consumers nationwide manage their personal finances and debts.

Learn more about us

View our most recent Annual Report


David Richardson, President and CEO, is a respected and experienced leader with demonstrated expertise in both the nonprofit and financial sectors. He oversees all operations and the greater execution of Take Charge America’s mission. He can speak to the organization, industry trends and the evolution of services.

Michael Sullivan, Personal Financial Consultant, is an experienced educator who has played a critical role in building Take Charge America’s financial education department. With more than 30 years of financial education and counseling experience, he can offer relevant advice and insight on numerous personal finance topics spanning budgeting, credit, debt, bankruptcy and more.

Amy Maliga, Financial Educator, is focused on improving individuals’ financial and spending habits. Specializing in consumer lifestyle, she can provide comments and thoughtful insights on subjects including budgeting, credit, spending, debt and more.

Jeremy Wine, Customer Experience Manager, is dedicated to providing help to consumers in need of financial assistance. He specializes in homebuying services and student loan counseling.

Jessica Ferastoaru, Student Loan and Housing Specialist, is deeply knowledgeable in all federal repayment plans and actionable advice for private student loan borrowers. In addition, she can speak on foreclosure prevention and homebuyer education issues.

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