Students Educational & Loan Foundation is a 501(c)(7) organization based in Rolla, Missouri, registered in 1964, with $401,129 in FY2025 revenue. CharityIndex grades it C+.
Revenue (FY2025)
$401K
▲ 16.5% vs prior year
Education median: $200K
Expenses (FY2025)
$357K
Net assets
$1.6M
Employees
—
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Students Educational & Loan Foundation— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Students Educational & Loan Foundation: 53 mo reserves · +11% margin earns a A on this criterion. See the exact thresholds →
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Students Educational & Loan Foundation— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Students Educational & Loan Foundation: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Revenue grew from $79K (FY2012) to $401K (FY2025) across 14 reported years.
Financial snapshot
Operating margin
11.1%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$3.7M
Total liabilities
$2.1M
Net assets
$1.6M
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $401,129▲16.5% | $356,561▲14.4% | $1,582,230▲2.9% | $3,687,389▼2.9% | 990 |
| 2024 | $344,177▲4.4% | $311,786▲1.2% | $1,537,662▲3.2% | $3,798,109▼1.5% | 990 |
| 2023 | $329,613▲2.5% | $307,982▼2.0% | $1,490,271▲1.5% | $3,857,288▼3.1% | 990 |
| 2022 | $321,456▲13.3% | $314,329▼8.8% | $1,468,640▲0.5% | $3,981,142▼3.4% | 990 |
| 2021 | $283,746▲6.8% | $344,711▲7.3% | $1,461,513▼4.0% | $4,120,641▼4.4% | 990 |
| 2020 | $265,783▼14.7% | $321,160▼3.3% | $1,522,478▼4.2% | $4,309,761▼4.5% | 990 |
| 2019 | $311,598▼19.1% | $332,291▼12.4% | $1,588,767▼0.5% | $4,513,087▼3.2% | 990 |
| 2018 | $385,297▲13.3% | $379,438▼1.3% | $1,597,272▲0.4% | $4,664,486▼3.3% | 990 |
| 2017 | $340,162▲5.6% | $384,592▼4.9% | $1,591,413▼2.7% | $4,821,215▼4.4% | 990 |
| 2016 | $322,259▼67.8% | $404,217▲2.7% | $1,635,843▼4.8% | $5,044,740▼2.7% | 990 |
| 2015 | $1,001,846▲28.8% | $393,625▲213% | $1,717,801▲54.8% | $5,182,246▲5.6% | 990 |
| 2014 | $777,984▲1000% | $125,756▲156% | $1,109,580▲143% | $4,907,809▲973% | 990 |
| 2013 | $70,726▼10.2% | $49,150▼33.4% | $457,352▲5.0% | $457,352▲5.0% | 990EZ |
| 2012 | $78,744 | $73,845 | $435,776 | $435,776 | 990EZ |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
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Data for Students Educational & Loan Foundation (EIN 43-6052502) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.