EIN 46-0358693

Pioneer Credit Counseling

IRS 501(c) type
501(c)(3)
Num. employees
10
Year formed
1980
Most recent tax filings
2023-12-01
Description
To provide financial Counseling and education to consumers through a broad range of financial life skills, budgeting, retirement, housing, student loans and Credit, pre-bankruptcy Counseling, post-bankruptcy education or debt issues through online dig...
Also known as...
Black Hills Children's Ranch
Total revenues
$876,698
2023
Total expenses
$1,056,654
2023
Total assets
$545,572
2023
Num. employees
10
2023

Program areas at Pioneer Credit Counseling

Black Hills Children's Ranch, Inc d/b/a Pioneer Credit Counseling offers several options to consumers seeking help in financial education, budgeting and debt management. A consumer will initially visit with one of our certified Credit counselors (certified through the guidelines of the financial Counseling association of america (fcaa)) to discuss the goals of the consumer. If they are primarily seeking assistance in establishing a monthly budget or reviewing their financial situation, this will be done at no charge to the consumer and can be completed within an hour or two whether face to face or by phone depending on the consumers financial situation. We also provide consumers on a daily basis with housing Counseling (at no cost), reverse mortgage (hecm) Counseling, student loan Counseling, prebankruptcy Counseling and post-bankruptcy education. There are some instances in which after their initial consultation, the consumer determines that they would like or need further assistance in reducing payments to unsecured creditors or due to their budget not being within their means. In such situations a certified Credit counselor may recommend enrollment in our debt management program as a means of additional assistance and ongoing Counseling. We provide a wide range of information through our state of the art web-site 24/7, which has account information for those that have enrolled on our debt management program in addition to being available by phone monday-friday, 7:00 a.m. to 7:00 pm and sat, 8-12 pm mountain time. Bhcr d/b/a Pioneer Credit Counseling is also a registered agency through bureau veritas certification and operates a quality management system in compliance with the requirements of the international standards organiation 9001-2015 and the fcaa code of practice, as well as a participant of the better business bureau care program. Black Hills Children's Ranch, Inc. d/b/a Pioneer Credit Counseling has had over 8,500 Counseling sessions in the year of 2023 alone with an estimated 500 of those consumers determining their needs to enroll in our debt management program. Many of our Counseling and educational sessions are provided at no charge to the public. Black Hills Children's Ranch, Inc. d/b/a Pioneer Credit Counseling provides anyone that is in need of our education programs and services, regardless of their ability to pay. Our latest education program, a new day, is available 24 /7 and in 2023 there were over 6,000 consumers which completed our course. In the year 2023, the number of enrollees for the simplified guide to financial life skills were over 8,500. This workbook covers basic money management and financial life skills. Chapters as follows: pretest (this helps measure the financial literacy of each individual) chapter 1 identifying debt warning signs chapter 2 - setting up a family budget chapter 3 tips for making a budget chapter 4 shopping guide, budget help chapter 5 money management help chapter 6 conquering your financial stress chapter 7 tips for dealing with your creditors & planning, preparing and managing your financial future final test (submitted to Pioneer Credit Counseling for grading and recording the measurement of their success.) Glossary / appendix (this includes terms which appear on creditor statements and Credit report to enhance the consumers financial literacy.) Of those completing the course with a passing grade on the final test, graduated and received a graduation certificate.

Who funds Pioneer Credit Counseling

Grants from foundations and other nonprofits
GrantmakerDescriptionAmount
Consumer Credit Counseling Service of San Francisco (CCCS)Housing Counseling & Education$89,898

Personnel at Pioneer Credit Counseling

NameTitleCompensation
Todd OssenfortPresident and Chief Operating Officer$102,000
Laca OssenfortSecretary and Treasurer and Administ$110,000
Annie Edwards ProcessingDirector - Accredited Financial Counselor - Certified Hud Housing Counselor - Certified Reverse Mortgage Counselor
Tia JironDirector of Counseling and Education - Certified Debt Management
Kimberly JacksonAccounting Manager$54,577
...and 3 more key personnel

Financials for Pioneer Credit Counseling

RevenuesFYE 12/2023
Total grants, contributions, etc.$136,428
Program services$734,928
Investment income and dividends$3,593
Tax-exempt bond proceeds$0
Royalty revenue$0
Net rental income$0
Net gain from sale of non-inventory assets$0
Net income from fundraising events$0
Net income from gaming activities$0
Net income from sales of inventory$0
Miscellaneous revenues$1,749
Total revenues$876,698

Form 990s for Pioneer Credit Counseling

Fiscal year endingDate received by IRSFormPDF link
2023-122024-07-01990View PDF
2022-122023-03-10990View PDF
2021-122022-03-11990View PDF
2020-122021-05-20990View PDF
2019-122020-08-26990View PDF
...and 9 more Form 990s

Organizations like Pioneer Credit Counseling

OrganizationLocationRevenue
Breaking Chains MinistriesClarkesville, GA$252,060
Prepare and ProsperSaint Paul, MN$2,572,017
The Diaper Bank of ConnecticutNorth Haven, CT$2,413,787
Consumer Credit Counseling Service of RochesterRochester, NY$3,189,728
Sweet Cheeks Diaper BankCincinnati, OH$1,183,384
Save A WarriorColumbus, OH$3,045,907
Consumer Education and Training ServicesSeattle, WA$253,952
Giving Hope and HelpKansas City, MO$249,626
Womens Health Innovations of ArizonaGilbert, AZ$1,646,161
Life Options of West TennesseeBrighton, TN$514,148
Data update history
June 17, 2023
Posted financials
Added Form 990 for fiscal year 2022
May 22, 2023
Received grants
Identified 1 new grant, including a grant for $59,625 from Consumer Credit Counseling Service of San Francisco (CCCS)
May 31, 2022
Updated personnel
Identified 3 new personnel
August 21, 2021
Posted financials
Added Form 990 for fiscal year 2019
July 13, 2021
Posted financials
Added Form 990 for fiscal year 2020
Nonprofit Types
Human service organizationsFamily service centersCharities
Issues
HealthHuman servicesDiseases and disorders
Characteristics
LobbyingState / local levelReceives government fundingTax deductible donationsAccepts online donations
General information
Address
3620 Homestead St Suite 1
Rapid City, SD 57703
Metro area
Rapid City, SD
County
Pennington County, SD
Website URL
pioneercredit.com/ 
Phone
(605) 348-1608
IRS details
EIN
46-0358693
Fiscal year end
December
Taxreturn type
Form 990
Year formed
1980
Eligible to receive tax-deductible contributions (Pub 78)
Yes
Categorization
NTEE code, primary
P50: Personal Social Services
NAICS code, primary
624190: Individual and Family Services
Parent/child status
Independent
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