A nonprofit community development financial institution and Extension collaborated to conduct a demonstration project to evaluate efficacy of Grameen peer-group microfinance methodology in addressing barriers faced by low-income women entrepreneurs in a small metro area. Program performance metrics achieved by 284 culturally diverse, low-income…

This paper discusses the potential fiscal effects of education savings accounts for K-12 in New Jersey on the state and local taxpayers. Education savings accounts are a way to expand educational opportunity for all families, particularly those in need. For parents who voluntarily elect to customize their child's education, a specified amount is…

An evaluation was implemented over a 3-year period to assess a statewide financial capability program for low-income, diverse clientele in Michigan. Pre- and post- program evaluation data was used to determine knowledge gain and intended behavior change. Follow-up evaluation data confirmed behavior changes across 10 financial practices. Using the…

Over a two-year period, six colleges involved in the Working Students Success Network (WSSN) initiative received financial support and technical assistance from ATD to identify key financial challenges their students face, develop specific strategies to address those challenges, and provide feedback on lessons learned from the work to be shared…

Child Development Accounts (CDAs) aim to increase college completion rates among disadvantaged youth by helping youth see themselves as "college bound." This article summarizes findings about the implementation and impacts of universal, progressive CDAs, with emphasis on outcomes for disadvantaged children. Data come from a large…

The authors present a multidimensional assessment of the outcomes and benefits of an income tax preparation assistance (ITPA) service learning program. They measure the perceived proximate benefits at the delivery of the service program, the actual learning outcome benefits prior to graduation, and the perceived long-term benefits from a…

Dollar Works 2 is a comprehensive personal financial education program to help individuals and families strengthen their skills, better manage their personal finances, and make sound decisions about money. This article chronicles the evolution of a curriculum to enhance and modify materials to improve learning and meet the needs of multiple…

In the contemporary United States, marriage is closely related to money. Men and (perhaps to a lesser extent) women with more education, higher incomes, larger stocks of wealth, and more stable employment are more likely to marry than are people in more precarious economic positions. But is this relationship truly causal? That is, does economic…

Every program in a school or school district has, or once had, a purpose. The purpose was most likely promoted, argued and debated among school constituencies--parents, teachers, administrators and school board members--before it was eventually approved. This process occurs year after year, budget after budget. In itself, this is not necessarily a…

In Project STAR, 11,571 students in Tennessee and their teachers were randomly assigned to different classrooms within their schools from kindergarten to third grade. This paper evaluates the long-term impacts of STAR using administrative records. We obtain five results. First, kindergarten test scores are highly correlated with outcomes such as…

A University of Alabama plan to improve productivity in the medical school by reallocating institutional funds and changing the handling of professional practice revenues is described, and its effects, strengths, and weaknesses after the first three fiscal years of implementation are examined. Despite some problems, the plan appears to be…

A project was undertaken to plan a consumer education program and delivery system for elderly persons in the six-county Bootheel area of Southeast Missouri. Included among the project's activities were the following: (1) assessing the needs and qualifications for consumer education programs for the elderly through a literature search and…