Our impact

The work, measured.

We're laser focused on helping Jewish families get back on their feet. We're nimble, we care, yet we don't enable. We focus on ROI and implement smart chesed.

Total clients helped, across every program 989

Jewish families and individuals served since 2023, across Collective Kindness and Kosher Debt Help.

303 Collective Kindness · 686 Kosher Debt Help
Collective Kindness

Getting families back on their feet, with dignity.

Collective Kindness is wraparound case management for Jewish families in financial distress. Case managers, budgeters, debt experts, career coaches, and therapists working together for the same family. The work is slow, deeply personal, and accountable to one number: are they cash flow positive when we’re done.

We don’t just track dollars. We measure whether the family feels stable, whether their marriage is healthier, whether the kids are calmer. Financial health and emotional health rise together, or neither does. That’s why our work is wraparound, and that’s why it sticks.

290
Total families served (active and offboarded)
+$896
Average monthly net at offboarding (across the 26 families with verified P&Ls at exit)

Eight families. Before and after.

These eight are drawn from the 303 households Collective Kindness has worked with. Each card shows the household's intake and offboarding P&L, pulled from real case-manager records. Names have been changed for privacy; the two-sentence summary on each card is an AI distillation of those same notes.

How we helpedAI summary of CRM notes

Organized debt, raised income, restructured work situation. Cash flow held positive since.

At intake · P&L

Annual income$94,852
Annual expenses$180,107
Net −$85,255

At offboarding

Annual income$214,140
Annual expenses$182,532
Net +$31,608
How we helpedAI summary of CRM notes

Brought spouses together, maxed income, negotiated tuition. Now cash-flow positive without family support.

At intake · P&L

Annual income$193,607
Annual expenses$263,811
Net −$70,204

At offboarding

Annual income$226,776
Annual expenses$195,192
Net +$31,584
How we helpedAI summary of CRM notes

Therapy, job placement, budget coaching resolved dynamics and opened savings room.

At intake · P&L

Annual income$134,581
Annual expenses$121,049
Net +$13,532

At offboarding

Annual income$195,996
Annual expenses$96,000
Net +$99,996
How we helpedAI summary of CRM notes

Built structured budget, reorganized bill management, enrolled in DMP, connected to IRS resources.

At intake · P&L

Annual income$256,183
Annual expenses$307,859
Net −$51,676

At offboarding

Annual income$244,800
Annual expenses$212,496
Net +$32,304
How we helpedAI summary of CRM notes

Stabilized income source and built realistic budget around new reality.

At intake · P&L

Annual income$59,126
Annual expenses$89,205
Net −$30,079

At offboarding

Annual income$52,416
Annual expenses$28,380
Net +$24,036
How we helpedAI summary of CRM notes

Patient work on budgeting, debt restructuring with balance transfer, sustained cash-flow positive.

At intake · P&L

Annual income$123,402
Annual expenses$160,782
Net −$37,380

At offboarding

Annual income$173,808
Annual expenses$158,880
Net +$14,928
How we helpedAI summary of CRM notes

Brought both spouses into budgeting, therapy support, opened income paths.

At intake · P&L

Annual income$127,921
Annual expenses$139,493
Net −$11,572

At offboarding

Annual income$169,500
Annual expenses$137,237
Net +$32,263
How we helpedAI summary of CRM notes

Financial coaching with therapy, business launch support, rebuilt money communication.

At intake · P&L

Annual income$92,340
Annual expenses$129,587
Net −$37,247

At offboarding

Annual income$112,800
Annual expenses$107,064
Net +$5,736
Kosher Debt Help

A nonprofit answer to predatory debt relief.

Kosher Debt Help is the only nonprofit, agenda-free credit-card debt program built for the Jewish community. No commissions. No products to sell. We sit on the family’s side of the table, look at the full picture, and walk them through the cheapest path to debt freedom - usually a balance transfer, sometimes a HELOC, occasionally a DMP.

The result, on average: a 23-point APR reduction in the first year.

686
Total KDH clients
$1,791,763
Total Money saved
25.0%
Average APR at onboarding
1.6%
Average APR at offboarding
$60,668
Average credit card debt at intake
$9,465
Average interest saved per client, year one

Real case files from the active KDH caseload.

Each card is one anonymized family in Kosher Debt Help, drawn from the active CRM. Numbers are real. Names have been changed.

Collective Kindness · Kosher Debt Help

The Schwartz Family

File #KDH-2026-0001
Active case
Confidential
At Assessment
Active CC debt $250,000
APR 25%
Annual interest on CC debt $62,500
Outcomes after KDH
Saved on CC interest (Year 1) $55,000
APR at outcome 1.97%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Wolf Family

File #KDH-2026-0002
Active case
Confidential
At Assessment
Active CC debt $200,000
APR 25%
Annual interest on CC debt $50,000
Outcomes after KDH
Saved on CC interest (Year 1) $48,000
APR at outcome 2%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Wexler Family

File #KDH-2026-0003
Active case
Confidential
At Assessment
Active CC debt $122,000
APR 27%
Annual interest on CC debt $32,940
Outcomes after KDH
Saved on CC interest (Year 1) $31,565
APR at outcome 5.38%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Feldman Family

File #KDH-2026-0004
Active case
Confidential
At Assessment
Active CC debt $150,086
APR 26%
Annual interest on CC debt $39,022
Outcomes after KDH
Saved on CC interest (Year 1) $30,000
APR at outcome 2.8%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Eisenberg Family

File #KDH-2026-0005
Active case
Confidential
At Assessment
Active CC debt $118,000
APR 25%
Annual interest on CC debt $29,500
Outcomes after KDH
Saved on CC interest (Year 1) $25,760
APR at outcome 1.48%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Steiner Family

File #KDH-2026-0006
Active case
Confidential
At Assessment
Active CC debt $100,000
APR 25%
Annual interest on CC debt $25,000
Outcomes after KDH
Saved on CC interest (Year 1) $25,000
APR at outcome 0%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Yudkin Family

File #KDH-2026-0007
Active case
Confidential
At Assessment
Active CC debt $105,000
APR 25%
Annual interest on CC debt $26,250
Outcomes after KDH
Saved on CC interest (Year 1) $25,000
APR at outcome 0%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Reichmann Family

File #KDH-2025-0008
Active case
Confidential
At Assessment
Active CC debt $105,000
APR 22%
Annual interest on CC debt $23,100
Outcomes after KDH
Saved on CC interest (Year 1) $23,000
APR at outcome 0%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Diamond Family

File #KDH-2026-0009
Active case
Confidential
At Assessment
Active CC debt $163,000
APR 25%
Annual interest on CC debt $40,750
Outcomes after KDH
Saved on CC interest (Year 1) $22,000
APR at outcome 2.49%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Edelstein Family

File #KDH-2026-0010
Active case
Confidential
At Assessment
Active CC debt $84,000
APR 29%
Annual interest on CC debt $24,360
Outcomes after KDH
Saved on CC interest (Year 1) $21,840
APR at outcome 3%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Saperstein Family

File #KDH-2025-0011
Active case
Confidential
At Assessment
Active CC debt $91,000
APR 25%
Annual interest on CC debt $22,750
Outcomes after KDH
Saved on CC interest (Year 1) $21,840
APR at outcome 1%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Horowitz Family

File #KDH-2025-0012
Active case
Confidential
At Assessment
Active CC debt $80,000
APR 25%
Annual interest on CC debt $20,000
Outcomes after KDH
Saved on CC interest (Year 1) $20,000
APR at outcome 2%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Unger Family

File #KDH-2026-0013
Active case
Confidential
At Assessment
Active CC debt $81,000
APR 25%
Annual interest on CC debt $20,250
Outcomes after KDH
Saved on CC interest (Year 1) $19,295
APR at outcome 1.18%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Nussbaum Family

File #KDH-2026-0014
Active case
Confidential
At Assessment
Active CC debt $78,000
APR 25%
Annual interest on CC debt $19,500
Outcomes after KDH
Saved on CC interest (Year 1) $17,799
APR at outcome 2.18%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Lipschitz Family

File #KDH-2025-0015
Active case
Confidential
At Assessment
Active CC debt $90,000
APR 20%
Annual interest on CC debt $18,000
Outcomes after KDH
Saved on CC interest (Year 1) $17,300
APR at outcome 1%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Goldman Family

File #KDH-2026-0016
Active case
Confidential
At Assessment
Active CC debt $75,000
APR 25%
Annual interest on CC debt $18,750
Outcomes after KDH
Saved on CC interest (Year 1) $16,500
APR at outcome 3%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Mayer Family

File #KDH-2025-0017
Active case
Confidential
At Assessment
Active CC debt $70,000
APR 25%
Annual interest on CC debt $17,500
Outcomes after KDH
Saved on CC interest (Year 1) $16,100
APR at outcome 2%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Mandel Family

File #KDH-2026-0018
Active case
Confidential
At Assessment
Active CC debt $90,000
APR 26%
Annual interest on CC debt $23,400
Outcomes after KDH
Saved on CC interest (Year 1) $15,750
APR at outcome 5%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Bloom Family

File #KDH-2025-0019
Active case
Confidential
At Assessment
Active CC debt $68,800
APR 25%
Annual interest on CC debt $17,200
Outcomes after KDH
Saved on CC interest (Year 1) $15,412
APR at outcome 2.6%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Goldberg Family

File #KDH-2025-0020
Active case
Confidential
At Assessment
Active CC debt $65,000
APR 25%
Annual interest on CC debt $16,250
Outcomes after KDH
Saved on CC interest (Year 1) $15,000
APR at outcome 2%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Rosen Family

File #KDH-2026-0021
Active case
Confidential
At Assessment
Active CC debt $53,000
APR 28%
Annual interest on CC debt $14,840
Outcomes after KDH
Saved on CC interest (Year 1) $14,840
APR at outcome 1.96%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Weiss Family

File #KDH-2025-0022
Active case
Confidential
At Assessment
Active CC debt $67,000
APR 22%
Annual interest on CC debt $14,740
Outcomes after KDH
Saved on CC interest (Year 1) $14,740
APR at outcome 4%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Fischman Family

File #KDH-2026-0023
Active case
Confidential
At Assessment
Active CC debt $63,000
APR 25%
Annual interest on CC debt $15,750
Outcomes after KDH
Saved on CC interest (Year 1) $14,490
APR at outcome 2%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Greenbaum Family

File #KDH-2026-0024
Active case
Confidential
At Assessment
Active CC debt $57,000
APR 25%
Annual interest on CC debt $14,250
Outcomes after KDH
Saved on CC interest (Year 1) $14,000
APR at outcome 1.39%
Kosher Debt Help · Active case CK · KDH
Collective Kindness · Kosher Debt Help

The Levine Family

File #KDH-2025-0025
Active case
Confidential
At Assessment
Active CC debt $56,494
APR 25%
Annual interest on CC debt $14,124
Outcomes after KDH
Saved on CC interest (Year 1) $14,000
APR at outcome 0%
Kosher Debt Help · Active case CK · KDH
CK Academy

Impact data still to come.

CK Academy is our financial literacy platform for newlyweds and young families. Cohorts are still in early rollout. Once we have a full graduating class, this is where you'll see what they learned, what they earned, and how much debt they avoided.

Shluchim Thrive

Impact data still to come.

Shluchim Thrive is wraparound financial and emotional support for community outreach leaders. The cohort is small, the work is private, and the metrics are still being defined. We'll publish them here once the first set of families has fully cycled through.

The Right Bet

Impact data still to come.

The Right Bet is our gambling addiction awareness initiative. Outcomes here are measured in months of sobriety, relationships rebuilt, and debts retired. We're building a measurement framework now and will publish results once we have something honest to show.

In the families' own words.

Most of our work stays private. These three families chose to share theirs. Watch to get a snapshot of how we impact families. In the weeds, with dignity.

Client story · 2025
Client story · 2025
Client story · 2024