Open Access. Powered by Scholars. Published by Universities.®
Other Social and Behavioral Sciences Commons™
Open Access. Powered by Scholars. Published by Universities.®
Articles 31 - 52 of 52
Full-Text Articles in Other Social and Behavioral Sciences
Saving For Post-Secondary Education In American Indian Communities, Amy Locklear Hertel, Mary Elizabeth Jäger
Saving For Post-Secondary Education In American Indian Communities, Amy Locklear Hertel, Mary Elizabeth Jäger
Center for Social Development Research
Saving for Post-Secondary Education in American Indian Communities
The Basics Of Progressive 529s, Center For Social Development
The Basics Of Progressive 529s, Center For Social Development
Center for Social Development Research
The Basics of Progressive 529s
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
College Savings Plan Accounts At Birth: Maine's Statewide Program, Margaret M. Clancy, Terry Lassar
Center for Social Development Research
The Harold Alfond College Challenge offers $500 to every child in the state enrolled in Maine’s NextGen college savings plan within 1 year from birth. As the first U.S. example of a statewide Child Development Account, the Alfond Challenge is a laboratory to study and learn from Maine’s experience. This CSD policy brief provides an overview of the Alfond Challenge, examines administrative and enrollment challenges, and offers recommendations and federal and state policy directions.
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra Beverly
The Role Of Savings And Wealth In Reducing "Wilt" Between Expectations And College Attendance, William Elliott Iii, Sondra Beverly
Center for Social Development Research
The Role of Savings and Wealth in Reducing "Wilt" Between Expectations and College Attendance
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Streamlined Enrollment And Default Investment: Innovations In Alaska's College Savings Plan, Margaret M. Clancy, Terry Lassar, Rebekah Miller
Center for Social Development Research
As college savings plans have gained in popularity and matured over the years, states have developed a number of innovations to facilitate access to and participation in 529s. This paper examines innovations in streamlined enrollment, pre-selected investment, and default investment in Alaska’s college savings plan. These 529 innovations—intended to facilitate greater participation, especially amongst low- and middle-income families—could play a more important role in other states to encourage savings for postsecondary education.
Low-Cost State Innovations To Help Families Save For College, Mark Huelsman, Margaret M. Clancy
Low-Cost State Innovations To Help Families Save For College, Mark Huelsman, Margaret M. Clancy
Center for Social Development Research
While 529 plans are defined in the federal tax code, individual states have considerable latitude to innovate and make their plans more inclusive. Some states have undertaken large-scale initiatives, such as matching contributions or establishing accounts at birth. Other states have been exploring a number of smaller, lower- cost innovations to remove disincentives and increase savings. States are often the testing ground for future federal policies, and several of these initiatives could also be enacted at the federal level.
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Assets And Liabilities, Educational Expectations, And Children's College Degree Attainment, Min Zhan, Michael Sherraden
Center for Social Development Research
Assets and Liabilities, Educational Expectations, and Children's College Degree Attainment
Account Monitoring Research At Michigan Seed, Vernon Loke, Margaret Clancy, Robert Zager
Account Monitoring Research At Michigan Seed, Vernon Loke, Margaret Clancy, Robert Zager
Center for Social Development Research
Account Monitoring Research at Michigan SEED
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
The Human Capital Agenda: Asset Holding And Educational Attainment Among African-American Youth, William Elliott, Kevin Kim, Hyunzee Jung, Min Zhan
Center for Social Development Research
This study extends previous analyses in several ways. First, in addition to parental wealth, the relationship between children’s wealth and math and reading scores are examined. Second, we examine different mediating pathways that wealth may affect children’s math and reading scores in a single path analysis model. The advantage of path analysis over traditional regression analyses, which are typically used in this area, is that researchers can get a glimpse of relationships among variables. While the focus of regression analysis is on the associations of predictors with outcome variables, path analysis provides a larger picture of the overall structure of …
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Young Children's Perceptions Of College And Saving: Potential Role Of Child Development Accounts, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Baorong Guo
Center for Social Development Research
This paper explores young children's perceptions and expectations about attending college, and the potential influence of a savings program on shaping children's perceptions about paying for college. As part of a four-year study of a school-based college savings program called “I Can Save”, this paper uses qualitative evidence from interviews conducted in second and fourth grades with a diverse group of 51 children. Findings suggest that most of the children in the study have a general understanding of college and have begun a process of considering higher education. Further, children in “I Can Save” are more likely than a comparison …
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Tribal Innovations In Children's Accounts, Miriam Jorgensen, Peter Morris
Center for Social Development Research
An important frontier in savings policy and research is the effectiveness of accounts at birth. This paper presents ideas and initial findings from the experience of American Indian nations—America’s first asset-builders—with such policies. It describes the motivations for creating “minors’ accounts,” which are offered by approximately 70 tribes. These tribes are the only jurisdictions in the nation to offer universal, unrestricted accounts for children. Increasingly, they also are using conditions and incentives to promote their policy goals. Their experiences and ideas offer important insights for mainstream policy makers and program managers (in the US and elsewhere) about how to design …
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Child Development Accounts And Saving For Children's Future: Do Financial Incentives Matter?, Lisa Reyes Mason, Yunju Nam, Margaret Clancy, Youngmi Kim, Vernon Loke
Center for Social Development Research
This study examines savings outcomes in the first large-scale demonstration of Child Development Accounts (CDAs) in the United States—the Saving for Education, Entrepreneurship, and Downpayment (SEED) initiative. It is also the first empirical study, to our knowledge, to investigate associations between savings outcomes and incentives in an asset-building program for children. This study enhances knowledge about saving in CDAs, incentives in public policy in general, and incentives in savings policy in particular. Results can inform CDA policy design.
Creative Partnerships Between Gear Up And State College Savings Plans: Experience And Policy Potential, Margaret M. Clancy, Rebekah Miller
Creative Partnerships Between Gear Up And State College Savings Plans: Experience And Policy Potential, Margaret M. Clancy, Rebekah Miller
Center for Social Development Research
This brief provides examples of how GEAR UP and state College Savings Plans are working together to provide information and resources to low-income and at-risk students. To illustrate experience and potential, the Center for Social Development documents and assesses four existing partnerships between College Savings Plans and GEAR UP. State-level experiences to date suggest several policy implications.
Five Low-Cost Ideas To Help Families Save For College, Margaret M. Clancy, David Newville
Five Low-Cost Ideas To Help Families Save For College, Margaret M. Clancy, David Newville
Center for Social Development Research
Improvements to the 529 platform could increase the number of low- and moderate-income families saving in 529s and make it easier for these families to build assets for education. These reforms include large initiatives, such as coordinating existing higher education tax credits and financial aid with 529s, as well as small initiatives to increase savings. This document contains several low-cost, simple reforms for 529s at the federal level. These would be important first steps for enabling more low- and moderate-income students to complete higher education.
Policy Brief: Pursuing 529 College Savings Plan Exclusion From Oklahoma Asset Limit Tests, Lisa Reyes Mason, Soda Lo, Margaret M. Clancy
Policy Brief: Pursuing 529 College Savings Plan Exclusion From Oklahoma Asset Limit Tests, Lisa Reyes Mason, Soda Lo, Margaret M. Clancy
Center for Social Development Research
Pursuing 529 College Savings Plan Exclusion from Oklahoma Asset Limit Tests
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Raising Parent Expectations: Can Wealth And Parent College Accounts Help?, William Elliott Iii, Kristen Wagner
Center for Social Development Research
For many children, especially minority and low-income children, attending college is a genuinely desired but elusive goal. Research on aspirations and expectations provides a way to understand the gap between what children desire and what they actually expect to happen. This study examines the potential role of children’s college accounts (CCAs) as a way to reduce the gap between aspirations and expectations among at-risk children. I find that only 39 percent of children without savings for college expect to attend college; there is an aspirations/expectations gap of 41 percentage points among children with CCAs. Moreover, children with a CCA are …
Helping People Act On Their Hopes Rather Than Their Fears: Lessons From Non-Enrollees In The Seed Initiative, Trina Williams Shanks, Toni Johnson, Kerri Nicoll
Helping People Act On Their Hopes Rather Than Their Fears: Lessons From Non-Enrollees In The Seed Initiative, Trina Williams Shanks, Toni Johnson, Kerri Nicoll
Center for Social Development Research
Helping People Act on Their Hopes Rather Than Their Fears: Lessons From Non-Enrollees in the SEED Initiative
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
The Achievement Gap From A Capabilities And Asset Perspective, William Elliott Iii, Margaret Sherrard Sherraden
Center for Social Development Research
Current explanations for the achievement gap do not fully explain why high-achieving poor and minority children perceive of college as being out of reach. This paper reviews perspectives on the achievement gap and proposes a model that incorporates a capabilities and assets approach. The uneven playing field created by unequal distribution of assets sustains educational advantage and high expectations for college among children from families with assets, while dampening expectations for college among poor and minority children. As a possible avenue to closing the gap, we suggest that increasing poor and minority children’s capability for financing college may increase educational …
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
College Expectations Among Young Children: The Potential Role Of Savings, William Elliott Iii, Margaret Sherrard Sherraden, Lissa Johnson, Suzanne Johnson, Signe Peterson
Center for Social Development Research
For many young people, especially minority and low-income children, attending college is a genuinely desired but elusive goal. This paper explores young children’s perceptions and expectations about attending college and potential influences on their formation. Conducted as part of a four-year study of a school-based saving for college program, this paper uses qualitative evidence from interviews with 60 children in second grade, and surveys with their parents. Findings suggest most of the young children in the study have a general understanding of college and have begun the process of choosing higher education. Further, the perception that saving is a way …
Saving For College In Maine's Matching Grant Program: Account Owner Experiences, Lisa Reyes Mason, Margaret Clancy, Margaret Sherraden, Chang-Keun Han
Saving For College In Maine's Matching Grant Program: Account Owner Experiences, Lisa Reyes Mason, Margaret Clancy, Margaret Sherraden, Chang-Keun Han
Center for Social Development Research
Saving for College in Maine's Matching Grant Program: Account Owner Experiences
Saving For Post-Secondary Education In Individual Development Accounts, Min Zhan, Mark Schreiner
Saving For Post-Secondary Education In Individual Development Accounts, Min Zhan, Mark Schreiner
Center for Social Development Research
Low-income people have less access to opportunities for post-secondary education, and the welfare reform in 1996 further limited access for welfare recipients. Since welfare reform, there has been an increasing interest in strategiesmeant to enhance the well-being of low-incomepeople through education and the development of human capital. In this study, we examine how low-income people saved for post-secondary education in Individual Development Accounts (IDAs) in a nationwide demonstration. IDAs are structured accounts that provide matches for savings used for home purchase, microenterprise, retirement savings, and post-secondary education. We examine how savings outcomes differed between participants who intended to use their …
Children's Development Accounts: The Oregon Story, Beverly Stein, Robert Freedman
Children's Development Accounts: The Oregon Story, Beverly Stein, Robert Freedman
Center for Social Development Research
Children's Development Accounts: The Oregon Story