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Predictive Analytics for Reducing Student Loan Default

August 10, 2020

Student loan default is largely a symptom of institutional, student, and socioeconomic factors that interact and reinforce each other as students pass through the educational system. Thus, the problem of student loan default is unlikely to be solved at the … Continued

Carolina Inequality Lab launches

April 22, 2019

Inequality is back on the national agenda. Over the past decade, the growing gap between the haves and have-nots in health, economic opportunity, educational outcomes, and other areas has taken on greater urgency among advocates, researchers, and policymakers. While groups … Continued

Expanding Small Dollar Lending for Immigrants

March 15, 2019

“To fully integrate into American society and achieve economic security, immigrants need access to high-quality affordable financial products, including small dollar loans that serve as an entryway to credit. Unfortunately, immigrants to the U.S. face many barriers in accessing safe … Continued

The Disparate Impact of Credit Checks in Employment Hiring

October 21, 2018

Does the use of credit checks negatively affect lower-income job applicants, and if so, what policies and practices can mitigate this impact?   Research indicates that nearly half of employers check an applicant’s credit history when hiring. This indicator raises … Continued

Housing & Financial Capabilities Report: Executive Summary

June 21, 2018

This Executive Summary provides an overview of the findings and recommendations in the full report called Housing & Financial Capabilities: Integrating and Enhancing Services for Residents. The UNC Center for Community Capital (CCC) partnered with JPMorgan Chase & Co. (JPMC) to … Continued