Strategies

Match disadvantaged or at-risk youth with volunteer mentors in school or community settings

Help high school students prepare for college, complete applications, and enroll, especially first-generation applicants and students from families with low incomes

Combine academic, mental and physical health, and social service resources in schools for students and families via partnerships with community organizations; also called community learning centers

Offer debt advice from trained providers to tenants with unpaid, overdue rent to help repay debt and increase financial literacy

Provide education on basic budgeting, bank use, credit management, bankruptcy, credit building and counseling, homeownership, retirement, divorce, etc.

Recruit and train underrepresented minority (URM) students for careers in health fields via information about health careers, classes, practicum experiences, advising about college or medical school admissions, etc.

Support subsidized asset accumulation programs in which deposits by participants with low and moderate incomes are matched by program sponsors; withdrawals must be used for qualified expenses to retain matching funds

Organize workers to bargain collectively for improved wages, benefits, and working conditions

Delay school start times for middle and high schools to better align with adolescent sleep-wake cycles; often until after 8:30 or 9:00 a.m.

Support programs that provide matched dollar incentives for low or moderate income individuals to place some or all of their tax refund in a savings account