Chairman Harkin, Ranking Member Alexander, and Members of the HELP Committee: I greatly appreciate this opportunity to speak to you about economic security for working women, particularly the experience of women in the retail industry. My name is Amy Traub and I am a senior policy analyst at Dēmos

Americans are working longer and harder than ever, yet in recent years the gains from economic growth have gone disproportionately to the very highest income earners.1 Working people are left out in the cold, denied their fair share of pay for the work they do.

Dear Members of the Senate Committee on Health, Education, Labor, and Pensions:

The steep increase in college tuition and student debt over the past decade has led our country to engage in a serious debate about the need to reduce college costs and student borrowing. Yet many misconceptions remain about the scope or magnitude of the problem that student debt poses to our

From the time a baby is born, American families are trapped between the need to provide care for their children and the necessity of earning income. 

Over the past 15 years, states have made deep cuts to their funding for higher education, causing tuition to rise rapidly, and household incomes have failed to keep up. As a result, student debt has skyrocketed, quintupling from just $240 billion in 2003 to more than $1.3 trillion today. The burdens

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.

If nearly 70 percent of graduates are borrowing, 30 percent (including 35 percent of public college graduates) are not. Who are these students? What type of family or financial resources do they have at their disposal? What are their work habits? In short, what does it take to graduate debt-free

If the twin threats to public pensions continue, African American retirees may lose much of the retirement security they’ve gained over the past half-century.