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.
Public-sector jobs in Massachusetts are more likely than private-sector jobs to be good jobs that provide a family-supporting income and wealth-building benefits. They need to be preserved.
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.
This report presents new research on the scope of federally-supported employment in the private economy and shows how, using our over 1.3 trillion dollars in federal purchasing, the President of the United States can place over twenty million Americans on a pathway to the middle class.
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.