Strategies

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

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

Convene small groups of families for facilitated weekly meetings that include a family meal, structured activities, parent support time, and parent-child play therapy

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

Support young children who exhibit or are at risk for behavioral problems with interpersonal relationship training and parents and teachers who are trained to meet their needs

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

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