Strategies

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

Provide supports such as mentoring, counseling, or vocational training, or change the school environment to help students complete high school

Provide pregnant and parenting teens with services such as education, vocational training, case management, health care, child care, and transportation assistance to support high school completion

Offer programs to help individuals without a high school diploma or its equivalent achieve a high school equivalency credential

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

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

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

Provided work supports for low income individuals and families (e.g., job search assistance, transitional jobs, subsidized child care, health insurance, etc.); participants worked at least 30 hours/week

Focus heavily on reading and math achievement, enforce high behavioral expectations through a formal discipline system, lengthen instructional time, and increase feedback on teacher performance

Support home visits that teach parents about early childhood development and effective parenting strategies, with child development screenings, parental meetings, and links to community resources