Eviction Intervention Program Helps Allen County Tenants Stay in Their Homes

Many subprime borrowers in the United States are financially unable to buy a home themselves. An unconventional lender is trying to make it easier for low-income people to buy houses despite the tighter requirements that other lenders adopted after the mortgage bust.

Low-income students are always looking for ways to finance their education. A new system using “human capital contracts” to pay for higher education isn’t as scary as it sounds.

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

U.S. courts are offering war veterans who face jail time the choice of rehabilitation. This helps them adjust to civilian life and reduces repeat offences.

In Vermont, a judge and a family services organization created RapidReferal – a process which offers addicts treatment immediately and has lowered recidivism. Funded by Medicaid, the program has had demonstrable impact, namely, a decrease in recidivism.

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

For first-time youth criminal offenders, the traditional American jury falls short in encouraging behavioral change and may even set the juvenile on a course for repeated crimes. Washington, DC’s Youth Court is a jury that tries juveniles for minor non-violent offenses and offers peer pressure to prompt positive behavioral change. The DC Youth Court is one of many in the United States that reduces crime and future court costs.

Prisons in the United States are overcrowded with many non-violent offenders and the cost to keep them in jail consumes public budgets. Criminal justice reform has attracted bipartisan interest with diverse proposals to aid adjust the incarceration rate. The Urban Institute has developed an interactive “prison population forecaster,” which helps citizens to assess the impact of different policies.

South Dakota’s “24/7 Sobriety” initiative breathalyzers tens of thousands of people every day in an effort to curb drunk driving. Rather than legislation that takes penalizes offenders by taking away their license, the state addresses the behavioral issue instead. In counties that use the “24/7 Sobriety,” they’ve seen a 12% decrease in repeat drunken-driving arrests.

This is a column on an important new development program in use in at least 40 developing countries: give the poor cash payments, contingent on their use of health clinics and their children’s school attendance, to help break the cycle of poverty.