American Center for Credit Education

What American Center for Credit Education does

American Center for Credit Education (ACCE) is a 501(c)(3) nonprofit organization founded in 1998 and headquartered in Rapid City, South Dakota. The organization develops and licenses standardized financial education programs that partner agencies deliver to their end clients. Its core offering consists of eight courses covering credit building, debt management, homebuyer education, bankruptcy counseling, vehicle purchasing, credit re-establishment, and small business startup. Two programs hold specific federal compliance significance: Make Your Move is certified to meet HUD national homebuyer education standards, and Money in Motion meets Executive Office for United States Trustees (EOUST) requirements for pre-bankruptcy debtor education. The organization is accredited by the Council on Accreditation and reports having reached over 1.7 million consumers cumulatively since inception.

ACCE delivers its curriculum through a multi-platform system supporting printed textbooks, web-based online courses, and mobile applications for smartphones and tablets, with several programs available in English and Spanish. The underlying platform provides partner agencies with automated registration, client demographic tracking, pre-test and post-test evaluation, and reporting tools that allow agencies to operate the programs at their own pricing and revenue terms. This B2B2C distribution model reaches consumers indirectly through a diversified partner network spanning credit counseling agencies, housing counseling agencies, CDFIs (including Native CDFIs), schools, correctional institutes, faith-based organizations, Habitat for Humanity affiliates, family service agencies, and corporate HR/Employee Assistance Programs.

Revenue is generated through a combination of one-time licensing of print materials and recurring subscription access to online and mobile programs purchased by partner agencies, who in turn set their own consumer pricing and retain their own end-client revenue. The organization operates with a small staff of 11-50 employees and does not publicly disclose financial figures. Marketing is conducted primarily through direct partner outreach, the corporate website, conference presence, and a weekly "Money Tip" email newsletter, with no disclosed funding rounds, acquisitions, parent companies, or executive leadership transitions.

Name

American Center for Credit Education

Legal name

American Center for Credit Education

Website

https://acce-online.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

American Center for Credit Education (ACCE) is a 501(c)(3) nonprofit, founded 1998 and based in Rapid City, SD, that develops and licenses eight standardized financial education programs to partner agencies across the U.S., including HUD-approved homebuyer education and EOUST-compliant bankruptcy debtor education delivered via print, online, and mobile platforms.

Ownership category

akta.pro rank

Product category

Financial Education

NAICS

Educational Services (611)

SIC

Services-Educational Services (8200)

akta.pro primary industry

Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Public Mortgage Insurance & Government Credit Guarantee Programs (FSALAKAD)

Keywords

• Financial education programs
• Credit counseling curricula
• Homebuyer education courses
• Debt management training
• Bankruptcy counseling services

Headquarters

HQ city

Rapid City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Program Licensing and Sales to Partner Agencies: Partner agencies purchase books and access to online education programs. Partner agencies set their own pricing to end consumers and collect their own revenue, creating a B2B2C model where ACCE generates revenue from the partner organizations purchasing materials and program access.
2. Online Education Program Access: Partner agencies pay for access to ACCE's online education programs which they then offer to their clients. Agencies can choose to offer programs for free or for a cost.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

American Center for Credit Education develops and licenses a portfolio of eight standardized financial education programs covering credit building, debt management, homebuyer education, bankruptcy pre-filing counseling, pre-bankruptcy debtor education, vehicle purchasing, credit re-establishment, and small business startup. Programs are delivered in print, online, and mobile app formats and are sold to partner agencies (credit counseling agencies, housing counseling agencies, CDFIs, schools, correctional institutes, and corporate EAPs), which then offer the courses to their own clients at agency-set pricing.

Product overview

American Center for Credit Education provides a portfolio of financial education programs delivered across print, online, and mobile platforms. The core offering consists of eight distinct courses addressing different financial literacy topics: 10 Steps to Buying a Car (vehicle purchasing), Counseling in Motion (bankruptcy counseling), Credit When Credit is Due (credit building), Financially Frozen (debt management), Make Your Move (homebuyer education), Money in Motion (pre-bankruptcy education), Rebuilding Your Credit (credit re-establishment), and Start Right (business startup). Partner agencies can offer these programs to their clients, setting their own pricing and collecting revenue. The programs are designed for various organizations including credit counseling agencies, housing counseling agencies, CDFIs, and community service organizations.

Differentiator

Problem solved

Functional benefit

Brands

• Make Your Move: Homebuyer education program that meets national homebuyer education standards and HUD guidelines
• 10 Steps to Buying a Car
• Counseling in Motion
• Credit When Credit is Due
• Financially Frozen
• Money in Motion
• Rebuilding Your Credit
• Start Right

Products and services

• 10 Steps to Buying a Car Financial education program helping consumers make informed decisions when purchasing vehicles, covering deal evaluation, fair treatment, and financing options. Licensed to partner agencies for delivery to their clients.
• Counseling in Motion (BK Edition) Online pre-filing bankruptcy counseling program that educates clients about the bankruptcy process and guides them through itemizing monthly expenses, debts, and assets. Used by partner agencies to fulfill pre-filing counseling requirements.
• Credit When Credit is Due Award-winning course on building, maintaining, and re-establishing credit. Includes a graduate packet with cards to send to the three national credit bureaus. Available to partner agencies in print and online formats.
• Financially Frozen Debt management program helping clients develop goals and budgets based on personal values, covering budgeting, credit scores, debt payoff strategies, and consumer awareness.
• Make Your Move... A Guide to Home Ownership Homebuyer education program that meets national homebuyer education standards and HUD guidelines. Covers home purchase readiness, pre-qualification, loan types, and homeownership responsibilities. Available online in English and Spanish.
• Money in Motion Pre-bankruptcy debtor education program meeting EOUST requirements, covering budgeting, credit scores, debt management, and consumer laws. ACCE's most popular program, available online in English and Spanish.
• Rebuilding Your Credit: A Guide to a Brighter Future Online-only program for re-establishing credit and finances. Developed in response to client demand from Money in Motion graduates and supports automatic enrollment from prior course completion.
• Start Right: Build Your Own Business Step-by-step business startup guide covering business planning, personal finances, funding, business finances, and marketing strategies.

Quantifiable outcome

• Over 1.7 million consumers have been reached through ACCE's educational programs
• +1 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• InCharge Debt Solutions: InCharge is a nonprofit credit counseling agency offering pre-bankruptcy debtor education, credit counseling, and financial education courses. It competes with ACCE in the EOUST-mandated debtor education segment.
• Money Management International: MMI provides HUD-approved housing counseling, bankruptcy debtor education, and credit counseling services. It is a comparable nonprofit provider with overlapping agency partnerships and program portfolio.
• FoolProof Financial Education: FoolProof delivers financial literacy curricula to schools, credit unions, and banks. It is a direct competitor to ACCE in standardized financial education content licensing.
• GreenPath Financial Wellness: GreenPath is a nonprofit credit counseling and financial education provider offering HUD-approved homebuyer education and debt management programs. It overlaps directly with ACCE's product catalog and partner-agency model.
• EVERFI (Blackbaud): EVERFI provides digital financial literacy curricula to schools, employers, and financial institutions. It is a direct competitor to ACCE in the B2B/B2B2C financial education market, especially for online and mobile delivery at scale.
• Cambridge Credit Counseling: Cambridge Credit Counseling provides HUD-approved housing counseling and credit counseling services through partner agencies. It is a smaller but directly comparable credit counseling education provider.
• BALANCE Financial Fitness: BALANCE provides HUD-approved housing counseling, credit counseling, and financial education programs through partner agencies. It is closely comparable to ACCE in mission, customer base, and program portfolio.

Emerging players

• Junior Achievement USA: JA delivers financial literacy, work readiness, and entrepreneurship education to K-12 and college students. It overlaps with ACCE's 'Start Right' program and school segment.
• National Foundation for Credit Counseling (NFCC): NFCC is a network of accredited credit counseling agencies that collectively offer EOUST-approved counseling and financial education. It is a channel-level peer, since many NFCC member agencies are ACCE customers.

Broad incumbents

• Ramsey Education (Ramsey Solutions): Ramsey Education licenses Foundations in Personal Finance curricula widely used in schools and businesses. It competes for the same curriculum-budget dollars as ACCE and is a much larger incumbent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ACCEorg
• Facebookfacebook.com/americancenterforcrediteducation

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about American Center for Credit Education