Skip to main content

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

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

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

The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline

March 12, 2016

This article tests the association between a savings account and debt in the lives of American young adults during periods of macroeconomic stability and decline and finds that a savings account may help young adults invest in their debt by entering better, healthier credit markets and avoiding riskier ones, especially during bad economic times.