Strategies

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

Expand broadband availability and adoption in unserved and underserved areas through initiatives that address infrastructure and cost barriers

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 confidential worksite-based counseling and referrals to employees to address personal and workplace challenges

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

Offer employees control over an aspect of their schedule through arrangements such as flex time, flex hours, compressed work weeks, or self-scheduled shift work

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 8:30 a.m. or later