Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. CARE's mission is to educate individuals, with a focus on young adults, on the responsible use of credit and the fundamentals of financial literacy, as well as the potential consequences of poor money management and credit abuse.