In the wake of the worst effects of the Great Recession, African Americans, like Americans as a whole, are getting their balance sheets in order and paying down credit card debt. But new research from Demos’ National Survey on Credit Card Debt of Low-and Middle-Income Households finds that African Americans face challenges to their financial security that are unlike those of white households.
New Jersey’s investment in higher education has decreased considerably over the past two decades, and its financial aid programs, though still some of the country’s most expansive, fail to reach many students with financial need.
This report presents findings on the use of public transit by people of color and on the potential jobs benefits that people of color can gain from investments in public transit.
Medical debt is a leading cause of bankruptcy in the United States. This report analyzes the impact of medical debt on household finances and provides policy solutions.
Popular theories for rising tuition like administrative “bloat” and student aid are at most minor contributors to tuition increases. Here's the real causes.
As part of an effort to reshape rules around debt and lending to reduce racial wealth inequality, we propose establishing a public credit registry to gradually replace the current for-profit credit reporting system.
Demos requests that the Department of Justice investigate a potential violation of Section 11(b) of the Voting Rights Act by the President of the United States.
Demos’ Race-Class Narrative (RCN) project developed an empirically-tested narrative on race and class that resonates with all working people and offers an alternative to—and neutralizes the use of—dog-whistle racism.
The County announced it would “immediately” begin sharing the identities of persons who register to vote through the DMV with the Immigration and Customs Service (“ICE”). This is in violation of Sections 5 and 8 of the NVRA.