In some cases a judge may order that a participant pay monetary restitution to the victim in addition to their community service obligation. In this case the participant has one of two options. The participant may elect to pay the dollar amount as ordered to the Clerk of Court. This is the ideal method, however unlike their adult counterparts many Project Challenge Participants are not yet old enough to acquire a job. The second option is to utlize the Project Challenge's Restitution Bank. Unlike the Community Service or Wilderness aspects of the Project Challenge System, the Restitution Component is strictly voluntary, the participant always has the option of repaying his or her debt by other means.

Participants that choose to take advantage of the restitution bank, participate in special restitution activities. Since these activities are voluntary and no money is ever exchange between Project Challenge and the participant an employer/employee relationship is never established with the participant. The rate of credit is intentionally kept low to encourage able participants to seek employment and satisfy their debt on their own. The participant usually has ninety days to repay their debt, at the end of that time Project Challenge will pay the Clerk of Court for every hour that the participant earned from the restitution bank. If there is still a balance remaining the participant is responsible to repay it by other means and is solely responsible to the court if that repayment is late or unable to be paid.