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Cindy Zeldin works for Demos, a nonprofit research and advocacy group. She says even the insured are not immune from this growing trend. "The direction of health insurance is towards greater individual risk, greater out-of-pocket expenses and those expenses are going right on to credit cards," she

Demos Vice President of Policy and Programs Tamara Draut testifies before the U.S. Senate Committee on Banking, Housing, and Urban Affairs regarding the growth of credit card debt and credit industry practices.

The report, released last week, was jointly compiled by Demos, a public policy group in New York, and the Access Project, which is affiliated with a health policy institute at Brandeis University and is trying to broaden the availability of health care in the U.S. According to the report, called

Overall, borrowers also need to be honest with themselves before tapping their home equity, especially if the reason for the cash-out isn't a one-time cost, said Jennifer Wheary, a senior fellow at Demos. "In the short-term, they will feel a sense of relief," she said, referring to those who use the

New York, NY — As health care costs continue to rise faster than incomes, families are turning to credit cards to pay for medical care, according to new research by Demos and the Access Project. The public policy groups published the findings today in a report entitled "Borrowing to Stay Healthy

Health care costs are rising sharply, placing stress on employers, individuals, and families. As employers look to rein in benefit costs, they are increasingly turning towards health insurance options that feature greater employee cost sharing through higher deductibles, co-payments, and other forms

Senior Fellow Algernon Austin writes about the soaring cost of college tuition and the graduation rates of of low-income and minority students.

New York, NY — Today's young adults are feeling the full, deep impact of a massive shift in the US economy, and are no longer able to start and sustain a family, build a career and grow assets in the same manner as the previous generation, according to a new report series published today by Demos, a

Most parents with children under the age of 6 are in their late 20s or early 30s, making issues of family leave, child care, and work flexibility of core concern to young adults under the age of 34. Young families across the income spectrum are financially and emotionally stressed by the demands of

Over the past decade, rents and home prices in major cities across the country have escalated rapidly. As young adults transition from college into the workforce, already owing an average of $20,000 in student loan debt, securing affordable housing in the current market can pose an overwhelming