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Our Mission

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Elbow Room is on a mission to provide financial literacy education to break the cycle of student loan debt for all. In addition, we are focused on reducing student loan debt for black and brown women with careers in public service, including education, nonprofit and government professionals.

Thank You To Our Individual
Donors & Corporate Partners.


Our Focus

Non-Profit Professionals

Public Leaders focus on cultivating, pioneering, and sustaining our communities in order to ensure a better future.

Education Professionals

Educators play an important role in training, developing, and teaching integral development for all students to excel in the future.

Graduation Caps

People in need of assistance 

Do you deserve freedom from financial stress and worry less about the future? Also, have pride in your educational choices and to be hopeful about your future?

You need Elbow Room!

If you are need of assistance with your Public Service Loan Forgiveness Application

or understanding your repayment options, we can help.

A group of diverse female college student smiling and having a good time while sitting on a staircase
Colorful Disks

Holly Johnson Friar

Founder and Chief Executive Officer

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Holly Johnson Friar had a career in healthcare, serving as Co-Founder and CMO,  at Ace (Horizon) Home Health and Hospice Corporation. Preceding this venture Holly was the Vice President at North Star Alliance, a holding company for a health club and a real estate development portfolio.  Holly has served as Vice President and Membership Chair, NAASC San Francisco/ Bay Area, as well as Past Western Region Chair Spelman College Parents Association. She is an active member of BNI and The Links, a Certified Member of the Sanford Institute of Philanthropy and frequently volunteers with the Alameda County Food Bank. Holly is passionate about the current student loan debt crisis. "Everyone knows someone who has been impacted by student loan debt. We must create permanent solutions to this crisis which disproportionately impacts black women."

Foundation Details 

Elbow Room: The Movement to End Student Loan Debt, Inc. is operating through a CA non-profit public benefit corporation using fiscal sponsorship with Players Philanthropy Fund (Federal Tax ID: 27-6601178,, a Maryland charitable trust with federal tax-exempt status as a public charity under Section 501(c)(3) of the Internal Revenue Code. Contributions to Elbow Room: The Movement to End Student Loan Debt are tax-deductible to the fullest extent of the law.

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