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.Read More
Delaware has been working to make sure that all college-ready graduates, regardless of socioeconomic status, make it to college. With financial reasons standing in the way of many qualified students, the state has worked on multiple levels to make this a possibility.Read More
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.Read More
Foreclosure affects millions of homeowners and millions more owe more on their mortgages than what their homes are worth, but Empowering and Strengthening Ohio’s People (ESOP), offers assistance. As a free service to borrowers, ESOP holds lenders accountable with fair lending agreements, creates constructive communication, and ultimately saves homes.Read More
An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.Read More
Accessible affordable health care is needed for millions of uninsured Americans. The Affordable Care Act is a viable solution that helps the uninsured. Although the launching of the website had some glitches, many states designed their own insurance marketplace and have successfully signed up people for coverage.Read More
Organizations in Detroit are piloting a program to apply food stamp credits in grocery stores towards the purchase of nutritious produce, in order to increase access to healthy items. The initiative can also help the local economy prosper through increased promotion of locally grown produce.Read More
Hospitals in New York improve healthcare quality and reduce medical costs by staying in frequent contact with patients requiring frequent or long-term care. Montefiore's Accountable Care Organization pulls in care providers from across the medical and social spectrum to improve patient health while curbing expenses.Read More
To address the increasing unaffordability of housing in Berlin, the city introduced a new rent control law to prevent rates from exponential growth. The city has also outlawed vacation rentals in certain zones of the city and created a program that aims to have 30,000 new rental properties available over the next decade.Read More
Officials in Niger are addressing chronic severe droughts causing food shortages and leading to a widespread threat of starvation. They provide aid to malnourished children and resources for a crop planting technique called 're-greening,' which aims to reforest agricultural regions, restore soil quality and, in turn, increase food supply.Read More
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