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GoalsNew Jersey Citizen Action Education Fund (NJCAEF) is a nonprofit, 501(c)(3) organization, founded in 1983. Our goals are to promote economic and social justice, to empower and organize the unorganized, to build a strong progressive coalition working on issues of common concern, strengthening our base both collectively as a coalition and as individual organizations.

Our education focuses on community, senior, consumer, labor and other constituencies that would be affected by pocketbook issues like changes in the tax code, health care reform, environmental hazards, and utility rates. We have comprehensive outreach and training programs to assist families in dealing with insurers, banks, health providers, utilities, and telecommunications service providers. Read our complete Mission Statement. Phyllis Salowe-Kaye, NJCAEF Executive Director, was honored with a 2012 Women of Distinction Award.

EVENT! September 12 – Free First-time Homebuyer Seminar – Newark

Free First-time Homebuyer Seminar

Come to NJCA's FREE First-time Homebuyer Seminar in Newark

Saturday, September 12, 2015, from 2:00 – 4:00pm
New Jersey Institute of Technology
150 Bleeker Street
Campus Center 2nd Floor
Newark, NJ 07102

Men welcome too!

Childcare available for children ages 2-10 with pre-registration.

FOR MORE INFORMATION, download the event flyers in English and Spanish.

Top TO REGISTER, please CLICK HERE for FREE online registration, or call New Jersey Citizen Action at 973-643-8800 ext. 218, or email Si necesita información en Español, llamenos por favor.

This event is co-sponsored by: New Jersey Citizen Action Education Fund, Capital One, Citi, HSBC Bank, JP Morgan Chase, M&T Bank, RSI Bank, Santander Bank, TD Bank, Victoria Foundation, Wells Fargo, and is funded with the support of the U.S. Department of Housing and Urban Development.

Free Tax Preparation Service — Extended through May

** UPDATE! Open by Appointment til April 30, 2015 **


If you earned $52,427 or less in 2014, the IRS may owe you up to $6,143

NJCA will provide:

For details click here or...

Call Us at 1-888-829-3711

NEW! NJTV NEWS VIDEO (click here)

165 Halsey Street
Newark, NJ 07102

Map and Directions

Monday thru Friday 9am – 5pm
Closed Saturday and Sunday

MyFreeTaxes.comNEW! FREE online tax filing for household income of $60,000 or less in 2014. If income is over $60,001, click here.

Affordable Care Act Open Enrollment November 15 – February 15


ACAUS citizens and legal residents can apply:

  1. You have from November 15, 2014 to February 15, 2015 to sign up and pick a plan.
  2. You could get help paying for your insurance. Four out of five people who got covered in New Jersey/nationwide qualified for financial help.
  3. You can get free in-person application help. A New Jersey Citizen Action Certified Application Counselor can answer your questions and guide you through the application process. Call New Jersey Citizen Action for an appointment 1-888-829-3711
  4. Every plan covers the essentials including doctor visits, preventative care and prescriptions. There are different types of plans available to fit your needs and your budget.

Call for an appointment: 1-888-829-3711 — Hablamos Español

Hours: Tuesday, Wednesday, Thursday and Friday 9am – 7pm; Saturday 10am – 4pm
Closed on Sunday and Monday

Address: New Jersey Citizen Action
165 Halsey Street (between Bank Street & West Market)
Newark, NJ 07102
Map and Directions

Sponsored by The Healthcare Foundation of New Jersey.

Executive Director Phyllis Salowe-Kaye Receives "Women of Distinction" Award

Phyllis Salowe-Kaye with her family and Senator Robert Menendez
Phyllis Salowe-Kaye with her family and Senator Robert Menendez

On March 11, 2012 U.S. Senator Robert Menendez (D-NJ) hosted his Third Annual Women of Distinction Awards to celebrate Women’s History Month. Phyllis Salowe-Kaye, Executive Director of New Jersey Citizen Action Education Fund, and New Jersey Citizen Action, was among the six honorees at the 2012 Women of Distinction Awards presented by United States Senator Robert Menendez. Full details here.

Main Street Alliance

ImageThe NJ Main Street Alliance (NJMSA) is a coalition of over 1400 small business owners and sole-proprietors throughout the state who are working to create opportunities to speak for themselves on important policy issues. The NJMSA, is a project of NJ Citizen Action and a member of the National Main Street Alliance, a network of small business coalitions in 15 states with over 10,000 members nationwide. Since its inception in August 2008, this coalition has successfully influenced the federal policy debate over health care reform and is now expanding to have a voice on issues such as financial reform, responsible taxes, clean energy, job creation, and economic recovery.

For more information, please contact: Corinne Horowitz at 732-246-4772 x25 or

NEW! Read the New Jersey Main Street Alliance Blog for more information about issues, research, and the latest developments!

Financial Reform Summit 2014

to everyone who participated in this special event!...

The New Jersey Citizen Action Education Fund
invites you to attend

"Let's Be Frank!"

Keynote speaker The Honorable Barney Frank

This event is FREE and open to the public!

Friday, October 10, 2014
10:00 AM–2:00 PM (Registration 9:30 AM)

Rutgers University–Newark
Paul Robeson Campus Center
The Essex Room
350 Dr. Martin Luther King Jr. Boulevard
Newark, NJ 07102
The venue is wheelchair accessible.
Map and Directions

Retired US Congressman Barney Frank was co-architect of the historic Dodd-Frank Wall Street Reform and Consumer Protection Act. He will share his unique perspective on the law and its implementation with Summit participants.

Join community leaders, policymakers and others at the Summit to hear experts talk about the status of financial reform locally and nationally, Dodd-Frank and the Consumer Financial Protection Bureau.

For more information, email, or call 973-643-8800, x. 239. Please share the flyer.

The New Jersey Citizen Action Education Fund (NJCAEF) is a nonprofit organization under section 501(c)(3) of the Internal Revenue Code. Contributions to NJCAEF are 100% tax deductible and will be strictly used to support NJCAEF's community reinvestment, housing, and foreclosure prevention work.

Financial Reform Summit 2011: What's Next? Opportunities and Challenges

ImageThank you for attending the Financial Reform Summit on November 30, 2011 and making it such a great success! Special thanks to the panelists and everyone who participated in the conference, including consumer advocates, community leaders, elected officials, bankers, regulators, labor leaders, seniors, academics, students and members of the public.

Speakers discussed the developments financial reform in New Jersey since the enactment of Dodd-Frank Wall Street Reform and Consumer Protection Act, its impact on consumers, investors and small business owners. State and national reform experts also discussed the foreclosure crisis, the efficacy of state and national programs meant sole it, as well as alternative approaches that seem to be having a positive impact and how they can help homeowners in New Jersey.

Small Business Owners Celebrate 1st Anniversary of Affordable Care Act

NJMSA Advisory Council member Samia Bahsoun (speaking) with Congressman Frank Pallone (center) and NJ Citizen Action Central Jersey Organizer Adam Sherman.
On March 23, 2011 small business leaders from the NJ Main Street Alliance joined young adults, seniors, health care professionals and policy makers to celebrate the one year anniversary of the Patient Protection and Affordable Care Act ("ACA") and share personal stories of how the law is benefiting them.

In Long Branch, NJMSA Advisory Council member Samia Bahsoun spoke at a press conference alongside Congressman Frank Pallone to share her story of how the ACA is helping her business and her family. Meanwhile in South Orange, small business owners and consumer advocates gathered at the South Orange Frame shop owned by MSA member Chris Bobbins to share their personal stories and hear comments from the National Director of the Office of Insurance Exchanges for Department of Health and Human Services, Joel Ario, and SBA Regional Administrator John Shoraka. For full details, read the Press Release.

How has the Affordable Care Act impacted your business or family? Share your story here.

In the News

New Report Demonstrates How the Affordable Care Act Will Benefit NJ's Working Families

imageOn March 17, 2011 NJ Citizen Action Education Fund and NJ for Health Care released a new report by New Jersey Policy Perspective, analyzing the impact of the Affordable Care Act (ACA) on New Jersey's struggling working families.

The Report (click here)"Good Medicine: The Impact of the Patient Protection and Affordable Care Act on New Jersey's Working Families with Children" — identifies specific benefits of the ACA and makes recommendations about how New Jersey can maximize its benefit under the new law. Details here.

Citizen Action's New Consumer Health Helpline!


Call Us Toll Free at

1-888-NJ GET WELL  (1-888-654-3893)

The NJ Consumer Health Helpline is a Free Health Care Consumer Assistance Program working to ensure that consumers are able to access affordable, quality health care and effectively navigate the often complex health insurance system. The Helpline also provides vital information to policy makers by identifying and addressing health care related problems as they occur in real time in our communities.

imageOur Helpline Counselors are trained and have up-to-date information about healthcare coverage in New Jersey, where to go if you have a problem with your insurance company and how to access other health related programs. NJCA is an independent, statewide education and advocacy organization. We are not a government agency. We work to ensure that all New Jersey residents have access to high quality and affordable health care.

For more information contact Yarrow Willman-Cole at Download this program's flyer in English or flyer in Spanish. Funding for the New Jersey for Health Care Consumer Helpline Project was provided by the Healthcare Foundation of New Jersey. Like the Health Helpline on Facebook!

Renewal of PNC's Three-Year Community Reinvestment Commitment to New Jersey

L to R: Diane Sterner, executive director of the Housing and Community Development Network of New Jersey; Phyllis Salowe-Kaye, executive director of New Jersey Citizen Action Education Fund; William Best, senior vice president for PNC.

On August 31, 2010, New Jersey Citizen Action, the Housing and Community Development Network of New Jersey, and PNC formally signed PNC's three-year Community Reinvestment Agreement for almost $1 billion.

In renewing their commitment to the people of New Jersey by signing this three-year agreement, PNC is extending its pledge to lend and invest in low- and moderate-income communities, to individuals, and to small businesses owned by women and minorities. PNC will offer below market rate mortgages with low down payment requirements, no points and no PMI for low- and moderate-income borrowers, grants for closing costs, and grants and loans for residents with disabilities.

This agreement will also provide refinance loans, consumer loans, and capital for low-income and moderate- income business owners. PNC has also made a major commitment to New Jersey's community development nonprofits. PNC has agreed to provide products including loans for site acquisition and construction financing, lines of credit for rehab and resale, and permanent financing for affordable housing development. Non-residential real estate loans for construction and permanent financing will also be available to non-profit organizations.

In addition, PNC will continue to support local small business lending and is making a commitment to lend to businesses located in low- and moderate-income communities and to smaller businesses borrowing $100,000 or less.

The Cost of Failure to Enact Health Reform: 2010 – 2020

imageThis new report shows that the cost of failure to enact national health care reform would be high, especially for middle-class families. Under the worst-case scenario, failure to pass national reform would result in:


NJ Policy Perspective Report — What National Health Reform Means for New Jersey

imageOn February 24, 2010, the NJ Consumer Voices for Coverage (CVC) Leadership Team released a new report by Ray Castro, Senior Policy Analyst at NJ Policy Perspective, analyzing the impact of national health care reform on New Jersey. NJ CVC was joined by Congressman Rush Holt (NJ-12) in explaining the benefits of comprehensive national health reform including expanded coverage, improved quality, and lower health care costs for New Jersey residents.

The Report looks at key provisions of the House and Senate health care bills and President Obama's health reform proposal released on Monday, February 22nd and recommends which elements of each proposal best serve the Garden State.