CARE—Credit Abuse Resistance Education—is a volunteer service project delivered to high school seniors by attorneys and judges. It consists of a 50 minute classroom presentation on credit education and is funded by the Kentucky Bar Foundation with the support of local law firms.

The goal of the CARE program is to give high school seniors knowledge about managing money and extended credit; an appreciation for the benefits of responsible use of credit and an awareness of the consequences of abusing credit.

High schools request a CARE speaker and schedule CARE class time. Attorneys sign up to visit the school(s) and speak to students for a 50 minutes class period. The school receives CARE booklets for each classroom presentation. Attorneys may attend a face-to-face CARE orientation if one is offered in their area, or view the online sample presentation on the website. A speaking outline is also provided.


CARE Program Participation

The following Kentucky counties have participated in CARE in Kentucky. If you’re an educator, learn how you can bring CARE to your classroom. If you are a lawyer or attorney, learn how you can get involved.

Participating Counties

The following Kentucky counties have participated in the CARE program. Learn how you can get involved.

  • Adair
  • Bell
  • Boone
  • Boyd
  • Boyle
  • Breathitt
  • Bullitt
  • Calloway
  • Campbell
  • Carter
  • Casey
  • Clark
  • Clay
  • Clinton
  • Crittenden
  • Daviess
  • Estill
  • Fayette
  • Floyd
  • Franklin
  • Gallatin
  • Garrard
  • Graves
  • Green
  • Greenup
  • Hancock
  • Hardin
  • Harlan
  • Henderson
  • Hickman
  • Jackson
  • Jefferson
  • Jessamine
  • Johnson
  • Kenton
  • Knott
  • Knox
  • Larue
  • Laurel
  • Lee
  • Leslie
  • Letcher
  • Lincoln
  • Madison
  • Magoffin
  • Marion
  • Marshall
  • Martin
  • McCracken
  • McCreary
  • Montgomery
  • Nelson
  • Ohio
  • Oldham
  • Owsley
  • Perry
  • Pike
  • Powell
  • Pulaski
  • Rockcastle
  • Rowan
  • Russell
  • Taylor
  • Warren
  • Washington
  • Wayne
  • Whitley
  • Wolfe

Awards and Recognition

The CARE program in Kentucky has been praised and recognized by numerous organizations and individuals. In 2012 the program received a 2012 Gheens Institute for Innovation Creativity and Entrepreneurship Award in recognition for its service toward the financial education of Jefferson County Kentucky students.


The Credit Abuse Resistance Education program (CARE) was created in 2002 by New York Judge John C. Ninfo II retired United States Bankruptcy Judge for the Western District of New York. CARE is a personal finance literacy education outreach program that provides interested and caring judges, trustees, attorneys and court staff members from the legal community as speakers to high schools. The presenters share with students their unique knowledge and experiences and to provide them with lessons, tactics and techniques they need in order to help them lead a financially responsible, consumer debt-free life. The CARE Program has a presence in all fifty states and the District of Columbia.

The American media has dubbed this program a “scared straight” credit program for students. CARE is honored to be a national partner of the Jump$tart Coalition and a member of the National Financial Education Network.


The CARE program is enhanced by services provided by:

  • Jefferson County Public Schools Materials and Production Department
  • Louisville Bar Association
  • Fayette County Bar Association
  • Clark and Riggs Printing Company

Show Your Support

Show your support for CARE in Kentucky. If you represent a law firm or are an independent attorney, consider adding this line to your website: Attorneys CARE about credit education for Kentucky teens. We support CARE in Kentucky.

Just copy and paste the following code onto your webpage. To include this statement along with a link back to the CARE website.

<p>Attorneys CARE about credit education for Kentucky teens. We support <a href="http://careinky.com/">CARE in Kentucky.</p>