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Full-Text Articles in Social Work
Refund To Savings: 2013 Evidence Of Tax-Time Saving In A National Randomized Control Trial, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, Dan Ariely
Refund To Savings: 2013 Evidence Of Tax-Time Saving In A National Randomized Control Trial, Michal Grinstein-Weiss, Krista Comer, Blair Russell, Clinton Key, Dana C. Perantie, Dan Ariely
Center for Social Development Research
Refund to Savings: 2013 Evidence of Tax-Time Saving in a National Randomized Control Trial
Does Outstanding Student Debt Reduce Asset Accumulation?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Does Outstanding Student Debt Reduce Asset Accumulation?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Center for Social Development Research
In this study, the authors use the Survey of Consumer Finances (SCF) to assess whether student loan debt is associated with total assets. They find that median 2009 assets for households with no outstanding student loan debt ($207,000) are higher than they are for households with outstanding student loan debt ($174,000). Multivariate statistics indicate that a household with a four-year college graduate, outstanding student loan debt, and median assets ($451,520) in 2007 had $136,73 (36%) less home equity in 2009 than a household with a similar household with no outstanding student loan debt. The main policy implication of this study …
An Event History Analysis Of Educational Loans And College Graduation: A Focus On Differences By Race And Ethnicity, Min Zhan, Xiaoling Xiang
An Event History Analysis Of Educational Loans And College Graduation: A Focus On Differences By Race And Ethnicity, Min Zhan, Xiaoling Xiang
Center for Social Development Research
This study examines the association between educational loans and college graduation rates, with a focus on differences by race and ethnicity. Data come from the 1997 National Longitudinal Survey of Youth (NLSY97). Results from event history analyses that control for a number of student characteristics, college experiences, and financial resources indicate that educational loans are positively related to the rate of college graduation. Larger loan amounts tend to decrease the likelihood of college graduation. The relationship between educational loans and college graduation is stronger among minority (Black and Hispanic) students. Overall, there is little evidence that educational loans reduce racial …
Student Debt And Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Student Debt And Declining Retirement Savings, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Center for Social Development Research
In this study, the authors use the Survey of Consumer Finances (SCF) to determine whether student loan debt is associated with retirement savings. They find that the median 2009 retirement savings amount for households with no outstanding student loan debt ($55,000) is nearly twice as high as it is for households with outstanding student loan debt ($25,000). Further, multivariate statistics indicate that a household with a four-year college graduate, outstanding student loan debt, and median retirement savings ($80,983) in 2007 incurred a loss of 52% of those retirement savings in 2009 contrasted with household with a similar household with no …
Is Student Debt Compromising Homeownership As A Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Is Student Debt Compromising Homeownership As A Wealth-Building Tool?, William Elliott, Michal Grinstein-Weiss, Ilsung Nam
Center for Social Development Research
In this study, the authors use 2007–2009 Survey of Consumer Finance longitudinal data to examine if having student loans affected home equity during the Great Recession. We find that median 2009 home equity ($90,000) for households with no outstanding student loan debt is twice as high as that of households with outstanding student loan debt ($45,000). Further, multivariate statistics reveal that a household with a college graduate, median 2007 home equity, and student loan debt had $54,334 (40%) less home equity in 2009 than a household with a college graduate, median home equity, and no college debt. The main policy …
Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden
Child Development Accounts And College Success: Accounts, Assets, Expectations, And Achievements, Sondra G. Beverly, William Elliott, Michael Sherraden
Center for Social Development Research
Child Development Accounts (CDAs) can contribute to financial preparation for college and the development of a college-bound identity in multiple ways and so increase the likelihood of college success. The pathways from CDAs to college success proposed in this paper are grounded in theory and evidence, but more research on the impact of CDAs is needed.
Reexamining Participant Satisfaction With The Mission Continues Fellowship Program For Post-9/11 Veterans, Monica M. Matthieu, Aaron J. Scheinberg, David Rogers, Jessica Varner
Reexamining Participant Satisfaction With The Mission Continues Fellowship Program For Post-9/11 Veterans, Monica M. Matthieu, Aaron J. Scheinberg, David Rogers, Jessica Varner
Center for Social Development Research
Reexamining Participant Satisfaction With the Mission Continues Fellowship Program for Post-9/11 Veterans
The Mission Continues: Reexamining Engagement Of Post-9/11 Veterans In Civic Service, Monica M. Matthieu, Aaron J. Scheinberg, Amanda Moore Mcbride, Nancy Morrow-Howell
The Mission Continues: Reexamining Engagement Of Post-9/11 Veterans In Civic Service, Monica M. Matthieu, Aaron J. Scheinberg, Amanda Moore Mcbride, Nancy Morrow-Howell
Center for Social Development Research
The Mission Continues: Reexamining Engagement of Post-9/11 Veterans in Civic Service
Impacts Of The Mission Continues Fellowship Program On Post-9/11 Disabled Military Veterans, Their Families, And Their Communities, Monica M. Matthieu, Ian D. Smith, Nancy Morrow-Howell, Amanda Moore Mcbride
Impacts Of The Mission Continues Fellowship Program On Post-9/11 Disabled Military Veterans, Their Families, And Their Communities, Monica M. Matthieu, Ian D. Smith, Nancy Morrow-Howell, Amanda Moore Mcbride
Center for Social Development Research
Impacts of the Mission Continues Fellowship Program on Post-9/11 Disabled Military Veterans, Their Families, and Their Communities
Reexamining Impacts Of The Mission Continues Fellowship Program On Post-9/11 Veterans, Their Families, And Their Communities, Monica M. Matthieu, Aaron J. Scheinberg, Nancy Morrow-Howell, Amanda Moore Mcbride
Reexamining Impacts Of The Mission Continues Fellowship Program On Post-9/11 Veterans, Their Families, And Their Communities, Monica M. Matthieu, Aaron J. Scheinberg, Nancy Morrow-Howell, Amanda Moore Mcbride
Center for Social Development Research
Reexamining Impacts of the Mission Continues Fellowship Program on Post-9/11 Veterans, Their Families, and Their Communities
Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden
Seed For Oklahoma Kids: Experimental Test Of A Policy Innovation In A Full Population, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Michael Sherraden
Center for Social Development Research
The Center for Social Development at Washington University in St. Louis has implemented an ambitious policy demonstration: SEED for Oklahoma Kids (SEED OK). This initiative uses multiple research methods, including a scientific experiment in a full population, to test a policy innovation. The innovation is providing a Child Development Account (CDA) to all children at birth. In SEED OK, randomly selected newborn children in Oklahoma received a college savings account “seeded” with a $1,000 initial deposit, plus additional components of the SEED OK intervention. This case study describes the multiyear process of designing and implementing SEED OK and sheds light …
Account Use And Demand For Tax-Refund Savings Vehicles: Evidence From The Refund To Savings Experiment, Michal Grinstein-Weiss, Jenna Tucker, Clinton Key, Krista Holub, Dan Ariely
Account Use And Demand For Tax-Refund Savings Vehicles: Evidence From The Refund To Savings Experiment, Michal Grinstein-Weiss, Jenna Tucker, Clinton Key, Krista Holub, Dan Ariely
Center for Social Development Research
Account Use and Demand for Tax-Refund Savings Vehicles: Evidence From the Refund to Savings Experiment
Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely
Saving Behavior In Response To Motivational Prompts: Evidence From The Refund To Savings Experiment, Clinton Key, Michal Grinstein-Weiss, Jenna Tucker, Krista Holub, Dan Ariely
Center for Social Development Research
Saving Behavior in Response to Motivational Prompts: Evidence From the Refund to Savings Experiment
Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely
Refund To Savings (R2s): Insight From The Field, 2012, Krista Holub, Michal Grinstein-Weiss, Clinton Key, Dan Ariely
Center for Social Development Research
Refund to Savings (R2S): Insight From the Field, 2012
Perceived Impact Of Individual Development Account Participation Among Native Hawaiians, David W. Rothwell, Rashida Bhaiji, Anne Blumenthal
Perceived Impact Of Individual Development Account Participation Among Native Hawaiians, David W. Rothwell, Rashida Bhaiji, Anne Blumenthal
Center for Social Development Research
Indigenous peoples face many social development challenges and the lingering effects of colonization. Income transfer, a traditional social welfare approach designed to raise minimum living standards, has had limited beneficial effects on long-term social conditions. As a complement to income transfer, asset-based approaches to social welfare have resulted in positive effects in the short and long terms. Some Indigenous communities are exploring how asset-based interventions might enhance social development (Hicks, Edwards, Dennis, & Finsel, 2005), but only limited and scattered research describes how they experience asset-building programs. This qualitative descriptive study explores the perceived impact of a large Individual Development …
Interviews With Mothers Of Young Children In The Seed For Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, Julie Miller-Cribbs
Interviews With Mothers Of Young Children In The Seed For Oklahoma Kids College Savings Experiment, Karen Gray, Margaret Clancy, Margaret S. Sherraden, Kristen Wagner, Julie Miller-Cribbs
Center for Social Development Research
Interviews With Mothers of Young Children in the SEED for Oklahoma Kids College Savings Experiment
Learning To Vote: Informing Political Participation Among College Students, Suzanne Pritzker, Melanie J. Springer, Amanda Moore Mcbride
Learning To Vote: Informing Political Participation Among College Students, Suzanne Pritzker, Melanie J. Springer, Amanda Moore Mcbride
Center for Social Development Research
To inform universities’ capacity to encourage student political participation, we examine associations between four civic influences—civic instruction, deliberative course-based discussion, community service, and service learning—and youth participation during the 2008 presidential election. These four influences were selected because they are commonly integrated into higher education environments. Using an original survey, we employ a broad definition of political behavior to explore ways college students express themselves politically and to examine potential influences on their participation. We hypothesize that students exposed to civic influences are more likely to vote and engage in other participatory activities than those who lack such exposure. Findings …
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building In The Us: Policy Innovation And Scientific Research], Michael Sherraden, Li Zou
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building In The Us: Policy Innovation And Scientific Research], Michael Sherraden, Li Zou
Center for Social Development Research
Mei Guo De Zi Chan Jian She: Zheng Ce Chuang Xin Yu Ke Xue Yan Jiu [Asset Building in the US: Policy Innovation and Scientific Research]
State-Level Asset-Building Coalitions: Origins, Operations, And Achievements, Naomi Warren, Gena Gunn
State-Level Asset-Building Coalitions: Origins, Operations, And Achievements, Naomi Warren, Gena Gunn
Center for Social Development Research
State-Level Asset-Building Coalitions: Origins, Operations, and Achievements
Asset-Building Coalitions In Oregon And North Carolina: Two Case Studies, Karen Edwards, Gena Gunn, Jennifer Downs, Jennifer Heffern
Asset-Building Coalitions In Oregon And North Carolina: Two Case Studies, Karen Edwards, Gena Gunn, Jennifer Downs, Jennifer Heffern
Center for Social Development Research
Asset-Building Coalitions in Oregon and North Carolina: Two Case Studies
Mutual Wealth In Rural America, E. G. Nadeau, Elisabeth Howard
Mutual Wealth In Rural America, E. G. Nadeau, Elisabeth Howard
Center for Social Development Research
This essay contends that mutual wealth in rural America, particularly related to the use of land and other natural resources, has undergone three major paradigm shifts in the last 500 years, and may be at the threshold of a fourth. First, from the early 1500s to about 1800, European diseases and conquest destroyed the elaborate management systems for agriculture, forests, game, and other natural resources developed by North American Indians. Second, from the early 1500s to the early 1900s, European and white American settlers, induced by offers of land, repopulated the continent primarily with small and medium-sized farms and ranches. …
Microenterprise Performance: A Comparison Of Experiences In The United States And Uganda, Margaret S. Sherraden, Fred M. Ssewamala, Cynthia K. Sanders
Microenterprise Performance: A Comparison Of Experiences In The United States And Uganda, Margaret S. Sherraden, Fred M. Ssewamala, Cynthia K. Sanders
Center for Social Development Research
This article compares microenterprise performance in the United States and Uganda. In-depth interview data and published sources suggest that many of the same factors affect business performance in both countries although scale and details vary considerably. Micro, mezzo, and macro strategies are proposed to maximize entrepreneurial effort, reduce barriers, and strengthen institutional and policy support in both contexts.