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Over the 1990s, credit card debt among young Americans rose dramatically—leaving many young adults over-extended and vulnerable to financial collapse. This briefing paper documents the rise in credit card and student loan debt between 1992 and 2001 and examines the factors contributing to young
Policy Briefs
Tamara Draut
Javier Silva
In November 2004, California will vote on Proposition 62: “The Voter-Choice Open Primary Act.” Currently, voters may vote for the nominees of only one political party. Proposition 62 would replace this “modified-closed” system of party primaries with one in which all candidates for state or federal
Research
Washington DC/NY, NY — Today Demos and Project Vote, two leading, national nonprofit organizations dedicated to voter registration, criticized the Department of Justice for failing to remind states of their responsibilities under the National Voter Registration Act (NVRA) to offer voter registration
Press release/statement
Testimony presented by Tamara Draut, Director of Demos' Economic Opportunity Program, before the U.S. House Subcommittee on Financial Institutions and Consumer Credit regarding consumer issues in credit card lending.
Testimony and Public Comment
Tamara Draut
This report takes a long-term view to expanding the middle class and creating more security among those who do achieve a middle-class life. Looking ahead to where the United States should aspire to be a decade from now, the report advances policy proposals that would be phased in over time and are
Research
David Callahan
Tamara Draut
Javier Silva
New York, NY/Washington, DC — Today two leading national voting rights organizations, Demos and Project Vote, asked the Department of Justice (DOJ) to take action to improve states' compliance with the Nation Voter Registration Act (NVRA) and ensure easy access to voter registration for thousands of
Press release/statement
Many citizens are anxious not just about the security of their jobs and adequacy of their incomes, but also about related issues: high levels of credit card debt, healthcare and childcare costs, and the affordability of homes and college tuition. These day-to-day worries are increasingly accompanied
Policy Briefs
Credit card companies are preying on the American public and need to be reined in. Fueled by steady deregulation of the industry, credit card companies increasingly charge excessive interest rates and fees, making it harder for families to get out of debt and back on the path to savings. It's time
Policy Briefs
There has been a fundamental shift in our nation's priorities for ensuring access to higher education. In the 1970s and 1980s, most aid was awarded in grants, while loans remained relatively low. Over the last two decades, federal aid has shifted away from grants to loans, pricing out students from
Policy Briefs
Current public policies fall far short of addressing the basic disconnect that exists between an economy that produces a high number of low-wage jobs and a society where the cost of living has risen considerably in many areas, driven by the increased prices for housing and health care. The minimum
Policy Briefs