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New York, NY — Across the United States, families increasingly rely on credit cards to make up for stagnant wage growth and soaring costs. In order to cope, homeowners are depleting their home's equity to pay off a growing mountain of unsecured debt. This is a financial strategy fraught with serious

As tuition costs and enrollment rose through the 1990s, grant money did not keep pace, meaning students have been shouldering an ever-increasing share of their education costs. While before, most were able to finance their studies with grants and part-time work, loans are now inescapable for many.

In response to ever-increasing financial pressures, families have come to depend on high-cost credit as a way to bridge the gap between stagnant or decreasing incomes and rising costs. How are families coping with their new burden? To hang on to the American Dream, to be part of the ownership

Steve Carbo, director of the Democracy Program, said voters should be allowed to cast provisional votes even if they vote in the wrong precinct, a practice many states now forbid.

In this preliminary analysis, Demos finds that the right to provisional ballots was violated across the country on November 2, 2004. While all the data on provisional balloting have yet to be collected and assessed, available evidence suggests that Congress and the states must revisit provisional

The link between corporate practices and the economic security of Americans has become a major focus of public debate over the past several years. The off-shoring of new kinds of jobs has garnered the most attention, but cutbacks in employee health benefits and the under funding of pension plans has

New York, NY — Advocates for democracy had one strong reason to cheer on election night: higher voter turnout, especially among youth, reversed a decades-old trend of low electoral participation. Although they are still counting votes in almost every state, it is clear that about 120 million will

A combination of escalating student loan and credit-card debt, rising costs, slow wage growth and underemployment have accumulated debt "unmatched in modern history" undermining the economic security and financial health of young Americans aged 18-34, according to a new study. The report,

New York, N.Y. — Today Miles Rapoport, President of Demos and former Connecticut Secretary of State, released a statement saying that tens of thousands of voters would be disenfranchised if lawsuits challenging the legitimacy of the San Diego mayoral election succeed.

New York, NY — Widespread challenges to our electoral system surfaced on November 2nd, according to thousands of documented cases of system failure collected by troubleshooters and monitors at election call-centers across the country. Problems ranged from machine breakdowns, intimidation and long