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.

Demos is a non-partisan public policy organization working for an America where we all have an equal say in our democracy and an equal chance in our economy. We were proud to be among the advocates who called for an executive order establishing paid sick leave for federal contractors. We write today

This report examines the effectiveness of the employment credit check laws enacted so far and finds that unjustified exemptions included in the laws, a failure to pursue enforcement, and a lack of public outreach have prevented these important employment protections from being as effective as they

Thank you, Members of the Workforce Development Joint Budget Hearing, for the opportunity to submit testimony in support of a strong paid family leave program in New York State.  My name is Amy Traub and I am a Senior Policy Analyst at Demos. Demos is a public policy organization working for an

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How we can lower student debt while closing the Black-White wealth gap.

Dear Deputy Commissioner Sussman, Dēmos appreciates the opportunity to offer comments on proposed rules to amend New York City’s Stop Credit Discrimination in Employment Act (Local Law 37 of 2015). We are a non- partisan public policy organization working for an America where we all have an equal