Invisible struggles of lower-income Asian Americans gain spotlight

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.

Civic leaders in the U.S. struggle to effectively help their distressed neighborhoods. East Lake, Atlanta, created a replicable model that mixes residents of differing socio-economic status, and focuses on education and health in the area.

In Memphis, a creative blight-reduction initiative called 25 Square Blocks broke down the city into blocks. Inspectors were able to quickly identify all the violations and fix them, using the same amount of funding, but less time, as the old call-and-respond model.

Native American student graduation rates are much lower than that of any other demographic. The Red Cloud school teaches students on a reservation in South Dakota about the Lakota history to empower the kids and encourage resilience.

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.

After incarceration, Black men and women have a difficult time re-integrating into society without financial and educational resources. A former Black Panther activist has created the non-profit Oakland &the World Enterprises to offer an urban farm as a prisoner re-entry program and community center. The Oakland project supports self-sufficiency, self-determination, and empowerment for Black people.

Despite years of change, African Americans feel ostracized from the medical care community that is dominated mainly by white people, especially when it comes to hospices. Some are trying to remove the stigma of hospice care as well as make health care systems more fair.

After a policeman shot and killed a teenage African American, a community in Cincinnati blamed law enforcement for racial profiling and riots expanded throughout the city. With the help of the Department of Justice as a mediator, Cincinnati made policy changes. The city now has an African American Police Association that brings police officers in communication with representatives of communities.

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.