Strategies

Regulate short-term loans that must be repaid by a borrower’s next pay day via bans, caps on maximum interest rates and loan amounts, or require minimum loan terms and credit cost

Create a school culture of high behavioral and academic expectations, with intense tutoring, increased teacher performance feedback, lengthened instruction time, and health care services

Reduce the number of students in elementary school classrooms

Teach students attitudes, skills, knowledge, and behavior needed to participate in and contribute to a democracy