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.

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 after 8:30 or 9:00 a.m.

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

Require school officials to apply predetermined consequences for certain infractions, regardless of situational context or circumstances; consequences are usually severe (e.g., suspension or expulsion)

Help students process trauma exposure and develop coping skills through individual or small group counseling with mental health professionals or school staff with trauma-specific training

Adopt a multi-tiered approach within schools to address the needs of trauma-exposed youth, including school-wide changes, screenings, and individual intensive support

Deliver a curriculum-based program that helps all students learn to recognize warning signs of suicide in themselves and others in a school setting