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Student loans are treated differently than almost every other form of debt incurred by American households.
This report makes the case that we should create jobs for the unemployed directly and immediately in public employment programs that produce useful goods and services for the public’s benefit.
How Last Minute, Just-In-Time Scheduling Practices Are Bad for Workers, Families and Business
The dominance of big money in our politics makes it far harder for people of color to exert political power and effectively advocate for their interests as both wealth and power are consolidated by a small, very white, share of the population.
A picture of the current state of the private retirement system, why this picture bodes ill for the future of retirement in the country, and why that system needs reform.
NEW: SECOND EDITION. "Retiring in the Red" is part of the Borrowing to Make Ends Meet Briefing Paper Series. Reports an 89% average increase in credit card debt among America's seniors from 1992 to 2001. Key Findings:
A look at state disinvestment in public higher education
This report reveals the extent of credit information “mission creep,” examines troubling shortcomings in the for-profit credit reporting industry, and recommends common sense steps to reform the credit reporting system.
To increase postsecondary success among low- to moderate-income students, we must reform financial aid and provide additional financial supports to help students cover the cost of living expenses.
Why over a lifetime, 401k fees can cost a median-income two-earner family nearly $155,000 and consume nearly one-third of their investment returns.
In February and March 2012, Demos surveyed a nationally representative sample of 997 low- and middle-income American households who carried credit card debt for three months or more.
How Raising Wages Would Benefit Workers, the Industry and the Overall Economy
Access to a post-secondary education is a vital aspect of the American dream, allowing for equality of opportunity and a stable pathway to the middle class for all who are willing to work for it regardless of their background or socioeconomic status. Higher education not only improves the prospects for the employment and earnings of individuals, but has benefits that feed back into communities and society as a whole, including increases in civic participation and productivity, and preparedness for success in the global economy. Our shared commitment to these values is reflected
How Our Tax Dollars Are Funding Low-Wage Work and Fueling Inequality
$1 trillion in outstanding student loan debt will lead to total lifetime wealth loss of $4 trillion for indebted households.
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.
Why employment credit checks constitute an illegitimate barrier to employment.
Extreme wage gaps within the fast food industry has made its sector the most unequal in the American economy
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.