This study develops a general method for modeling changes in response to items relating to students perceptions of personal finance and financial products. The new method is illustrated to analyze data from a sample of 1,250 students aged 16-18 who participated in a financial capability education study in the UK. We demonstrate how a quantitative…

Family Rewards was an innovative approach to poverty reduction in the United States that was modelled on the conditional cash transfer (CCT) programs common in lower- and middle-income countries. The program offered cash assistance to poor families to reduce immediate hardship, provided they met certain criteria related to family health care,…

The persistently low college enrollment and completion rates of youth from poor families are partly attributable to their uncertainty about whether college is affordable. In the current system, concrete information about college costs arrives at the end of high school and is only available to those who complete a complex application. Evidence…