Navicore Solutions
Overview
Navicore Solutions provides nonprofit credit counseling, debt-management, bankruptcy, housing, student-loan, disaster-recovery, and financial-education services. It was founded in Freehold, New Jersey, in 1991. [1][5]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | Navicore Solutions, Inc. [1][2] |
| EIN | 22-3120920 [3][4] |
| Headquarters | 200 U.S. Highway 9 North, Manalapan, NJ 07726-3072 [2][3] |
Public Financials — 2023
| Total revenue | $15,059,714 |
| Total expenses | 14,875,769 |
| Net assets, year end | 5,341,215 |
| Program service revenue | 54% |
| Contributions and grants | 44% |
The 2023 Form 990 reports $8,185,324 in program-service revenue, equal to 54.4% of total revenue. This percentage is a general reliance-on-fees proxy only; it is not the IRC §501(q) fair-share cap. [4]
Published Fee Schedule
| Structure | flat |
| One-time setup fee | Average $48 for debt-management enrollment; bankruptcy counseling fee generally $50. [5][6] |
| Monthly fee | Average $27 for debt-management plans. [5] |
| Directory summary | Nonprofit debt management plan. One-time enrollment fee plus a monthly fee that varies by state and ability to pay. Dollar amounts not found. |
Independent comparison: BBB confirms debt-management services but does not publish fee amounts in its accessible profile. The provider-published sources provide the available fee figures. [2][5][6]
Coverage
Geographical discrepancy: official annual-report material states 12 offices in 11 states; BBB states 10 locations. The official website also states counseling reaches all 50 states and five U.S. territories. [1][2][5]
Accreditation & Licensing
BBB reports an A+ rating and accreditation date of March 12, 1991. Charity Navigator lists a two-star rating and 72% score for Garden State Consumer Credit Counseling Inc. [2][3]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr |
BBB’s public profile lists complaint information, but the accessible profile did not expose a reliable total complaint count or trailing-period/as-of count. CFPB complaint-count data was not reliably attributable from the accessible public source during this review; no count is reported.
Cited Sources
- Navicore Solutions official website — Navicore Solutions (September 14, 2026) — First-party provider website.
- About Us / Navicore Solutions — Navicore Solutions (September 14, 2026) — Primary provider source for organizational history, nonprofit status, stated footprint, services, and provider-reported accreditations.
- Navicore Solutions BBB Business Profile — Better Business Bureau (September 14, 2026) — Independent BBB profile for entity type, alternate names, accreditation date, rating, headquarters, and listed locations.
- Garden State Consumer Credit Counseling Inc. Charity Profile — Charity Navigator (September 14, 2026) — Independent charity profile identifying EIN, 501(c)(3) status, legal-name presentation, and rating.
- Navicore Solutions Inc. Nonprofit Explorer and 2023 Form 990 data — ProPublica Nonprofit Explorer (September 14, 2026) — Publicly indexed Form 990 filing data for EIN, fiscal year, revenue, expenses, assets, program-service revenue, and named executive compensation.
- Debt Management Plan — Navicore Solutions (September 14, 2026) — Primary provider source for debt-management fee disclosures and service description.
- Bankruptcy Counseling Disclosure / Disclosure Statements — Navicore Solutions (September 14, 2026) — Primary provider source for funding model, fair-share contributions, grants, HUD/lender funding, fee waivers, and bankruptcy-counseling fees.