Strategies

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

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.

Apologize for discriminatory housing policies; increase subsidies, financing, and paths to homeownership for people of color; and invest in systematically disadvantaged neighborhoods

Pair youth at risk for delinquent behavior with mentors to develop relationships and spend time at regular meetings for an extended period; mentors have greater knowledge, skills, etc. than mentees

Apologize for the history and legacy of slavery and provide direct payments or community investments to Black descendants of people enslaved in the U.S.

Provide short-term employment opportunities for youth, especially those from disadvantaged backgrounds