Skip to main content
Back to Top

 

SSRC Library

The SSRC Library allows visitors to access materials related to self-sufficiency programs, practice and research. Visitors can view common search terms, conduct a keyword search or create a custom search using any combination of the filters at the left side of this page. To conduct a keyword search, type a term or combination of terms into the search box below, select whether you want to search the exact phrase or the words in any order, and click on the blue button to the right of the search box to view relevant results.

Writing a paper? Working on a literature review? Citing research in a funding proposal? Use the SSRC Citation Assistance Tool to compile citations.

  • Conduct a search and filter parameters as desired.
  • "Check" the box next to the resources for which you would like a citation.
  • Select "Download Selected Citation" at the top of the Library Search Page.
  • Select your export style:
    • Text File.
    • RIS Format.
    • APA format.
  • Select submit and download your citations.

The SSRC Library includes resources which may be available only via journal subscription. The SSRC may be able to provide users without subscription access to a particular journal with a single use copy of the full text.  Please email the SSRC with your request.

The SSRC Library collection is constantly growing and new research is added regularly. We welcome our users to submit a library item to help us grow our collection in response to your needs.


  • Individual Author: The Stanford Center on Poverty and Inequality; The Russell Sage Foundation
    Reference Type: Dataset
    Year: 2013

    Description: Recession Trends provides 16 up-to-date briefs by top scholars addressing recent trends in wealth, consumption, the labor market, housing, poverty, safety net systems, health, education, crime, attitudes, and a variety of other domains. The site also archives over a thousand time series and allows visitors to build their own graphs representing  key trends in 16 domain areas.

    Population: The data for Recession Trends come from dozens of high-quality data sets.  Full source and methodological information is provided on the site for each time series.

    Periodicity: The data are updated annually and, for some series, reach back a half-century or even longer.

    (Information adapted from the publisher)

    Description: Recession Trends provides 16 up-to-date briefs by top scholars addressing recent trends in wealth, consumption, the labor market, housing, poverty, safety net systems, health, education, crime, attitudes, and a variety of other domains. The site also archives over a thousand time series and allows visitors to build their own graphs representing  key trends in 16 domain areas.

    Population: The data for Recession Trends come from dozens of high-quality data sets.  Full source and methodological information is provided on the site for each time series.

    Periodicity: The data are updated annually and, for some series, reach back a half-century or even longer.

    (Information adapted from the publisher)

  • Individual Author: Hoxby, Caroline; Turner, Sarah
    Reference Type: Report
    Year: 2013

    Only a minority of high-achieving, low-income students apply to colleges in the same way that other high-achieving students do: applying to several selective colleges whose curriculum is designed for students with a level of achievement like their own. This is despite the fact that selective colleges typically cost them high-achieving, low-income students less while offering them more generous resources than the non-selective postsecondary institutions they mainly attend. In previous work, we demonstrate that the vast majority of high-achieving, low-income students are unlikely to be reached by traditional methods of informing students about their college opportunities since such methods require the students to be concentrated geographically. In this study, we use a randomized controlled trial to evaluate interventions that provide students with semi-customized information on the application process and colleges' net costs. The interventions also provide students with no-paperwork application fee waivers. The ECO Comprehensive (ECO-C) Intervention costs about $6 per student, and...

    Only a minority of high-achieving, low-income students apply to colleges in the same way that other high-achieving students do: applying to several selective colleges whose curriculum is designed for students with a level of achievement like their own. This is despite the fact that selective colleges typically cost them high-achieving, low-income students less while offering them more generous resources than the non-selective postsecondary institutions they mainly attend. In previous work, we demonstrate that the vast majority of high-achieving, low-income students are unlikely to be reached by traditional methods of informing students about their college opportunities since such methods require the students to be concentrated geographically. In this study, we use a randomized controlled trial to evaluate interventions that provide students with semi-customized information on the application process and colleges' net costs. The interventions also provide students with no-paperwork application fee waivers. The ECO Comprehensive (ECO-C) Intervention costs about $6 per student, and we find that it causes high-achieving, low-income students to apply and be admitted to more colleges, especially those with high graduation rates and generous instructional resources. The students respond to their enlarged opportunity sets by enrolling in colleges that have stronger academic records, higher graduation rates, and more generous resources. Their freshman grades are as good as the control students', despite the fact that the control students attend less selective colleges and therefore compete with peers whose incoming preparation is substantially inferior. Benefit-to-cost ratios for the ECO-C Intervention are extremely high, even under the most conservative assumptions. (author abstract)

  • Individual Author: Azurdia, Gilda; Freedman, Stephen; Hamilton, Gayle; Schultz, Caroline
    Reference Type: Report
    Year: 2013

    Many people do not save enough money to help them manage sudden losses of income or sudden increases in expenditures. Faced with the need to raise cash immediately, they often resort to alternative, high-interest sources of credit, such as payday loans and credit cards, that may trap them in a costly cycle of debt. Currently, few programs help low- and moderate-income individuals save for emergencies, and studies of the effects of such unrestricted, short-term savings programs are rare. 

    What would happen if low- and moderate-income individuals were offered an incen­tive to save, coupled with a convenient opportunity to take advantage of the in­centive? To find out, the New York City Department of Consumer Affairs, Office of Financial Empowerment (OFE) developed the SaveUSA program, a tax-time matched savings program, which is being replicated in additional sites by the New York City Center for Economic Opportunity (CEO) and OFE. SaveUSA focuses on tax-time savings be­cause tax refunds, supported by the Earned Income Tax Credit (EITC) and other credits, typically...

    Many people do not save enough money to help them manage sudden losses of income or sudden increases in expenditures. Faced with the need to raise cash immediately, they often resort to alternative, high-interest sources of credit, such as payday loans and credit cards, that may trap them in a costly cycle of debt. Currently, few programs help low- and moderate-income individuals save for emergencies, and studies of the effects of such unrestricted, short-term savings programs are rare. 

    What would happen if low- and moderate-income individuals were offered an incen­tive to save, coupled with a convenient opportunity to take advantage of the in­centive? To find out, the New York City Department of Consumer Affairs, Office of Financial Empowerment (OFE) developed the SaveUSA program, a tax-time matched savings program, which is being replicated in additional sites by the New York City Center for Economic Opportunity (CEO) and OFE. SaveUSA focuses on tax-time savings be­cause tax refunds, supported by the Earned Income Tax Credit (EITC) and other credits, typically constitute the largest source of cash that low- and moderate-income individuals receive at any one time. SaveUSA encourages eligible tax filers to deposit a portion of their tax refund directly into a matched savings account that they can later use to pay for unexpected or emergency expenses or for any other purpose. 

    Does this strategy work? To find out, MDRC is conducting a randomized control trial to test the effects of SaveUSA on a variety of outcomes. The evaluation will show whether short-term incentivized savings can lead to longer-term savings habits, reduce material hardships, and improve the overall financial well-being of participants. If the results are positive, they will support ongoing efforts to implement similar savings incentives, such as a current policy proposal to embed a “Financial Security Credit” in the federal tax code. 

    What Is the SaveUSA Program?

    SaveUSA replicates a program called $aveNYC that was piloted in New York City between 2008 and 2011. During 2009 and 2010, $aveNYC’s primary years of operation, the program enrolled an average of 1,255 tax filers per year. Over 90 percent of those enrollees deposited tax refund dollars in their $aveNYC savings account and nearly three-quarters of enrollees (or 80 percent of depositors) maintained their deposits for about a year and received the savings match. A study of $aveNYC conducted by the Center for Community Capital at the University of North Carolina found that when they entered the program, 18 percent of $aveNYC par­ticipants had no bank account and 26 percent reported having no savings. 

    The SaveUSA program was operated during the tax seasons of 2011 through 2013. It builds on the free tax-preparation services provided by participating Volunteer Income Tax Assistance (VITA) organizations in four cities: New York City, Tulsa, Newark, and San Antonio. SaveUSA offers both single filers and couples who file jointly the opportunity to open a SaveUSA account at a local financial institution by directly deposit­ing a portion of their tax refund into a special savings account. Participants earn a matching incentive payment if they leave their savings untouched for about one year. 

    To be eligible for the SaveUSA program, tax filers must be at least 18 years old and meet certain income requirements ($50,000 or less for filers with dependents and $25,000 or less for filers without dependents). When preparing their tax returns, SaveUSA participants instruct the Internal Revenue Service (IRS) or state taxing agency to deposit at least $200 from their tax refund directly into a special savings ac­count. Participants also pledge to keep a certain amount of their initial deposit, from $200 to $1,000, in the account for approximately one year. Participants who fulfill this pledge receive a 50 percent savings match, up to $500. 

    Account holders whose balances drop below their pledge amounts at any time during the follow-up year lose their eligibility for a match, even if they subsequently replace the funds. They incur no further penalty for withdrawing the funds, however. 

    During the next tax season, all account holders who have their taxes prepared at a participat­ing VITA site — those who end up qualifying for a match and those who do not — may again deposit tax refund dollars directly into their SaveUSA accounts and become eligible to receive another 50 percent match. 

    This policy brief offers early implementation findings, including recruitment and account enrollment results, from MDRC’s evaluation of SaveUSA. (author abstract)

  • Individual Author: Lower-Basch, Elizabeth
    Reference Type: Stakeholder Resource
    Year: 2011

    The Work Opportunity Tax Credit (WOTC) was created in 1996 and has been modified and extended repeatedly since. A separate but similar credit for long-term welfare recipients was consolidated with the WOTC in 2006. Recent program expansions have caused the annual cost of this credit to exceed $1 billion in recent years. WOTC is not designed to promote net job creation, and there is no evidence that it does so. The program is designed to encourage employers to increase hiring of members of certain disadvantaged groups, but studies have found that it has little effect on hiring choices or retention; it may have modest positive effects on the earnings of qualifying workers at participating firms. Most of the benefit of the credit appears to go to large firms in high turnover, lowwage industries, many of whom use intermediaries to identify eligible workers and complete required paperwork. These findings suggest very high levels of windfall costs, in which employers receive the tax credit for hiring workers whom they would have hired in the absence of the credit. (author introduction...

    The Work Opportunity Tax Credit (WOTC) was created in 1996 and has been modified and extended repeatedly since. A separate but similar credit for long-term welfare recipients was consolidated with the WOTC in 2006. Recent program expansions have caused the annual cost of this credit to exceed $1 billion in recent years. WOTC is not designed to promote net job creation, and there is no evidence that it does so. The program is designed to encourage employers to increase hiring of members of certain disadvantaged groups, but studies have found that it has little effect on hiring choices or retention; it may have modest positive effects on the earnings of qualifying workers at participating firms. Most of the benefit of the credit appears to go to large firms in high turnover, lowwage industries, many of whom use intermediaries to identify eligible workers and complete required paperwork. These findings suggest very high levels of windfall costs, in which employers receive the tax credit for hiring workers whom they would have hired in the absence of the credit. (author introduction)

  • Individual Author: Center for Law and Social Policy (CLASP)
    Reference Type: Stakeholder Resource
    Year: 2012

    This tool is intended for state advocates and policymakers to use as they work to develop a state early childhood agenda. It includes a series of key questions to understand the context and conditions of young children, birth to six, in the state. Where possible, we also include infant/toddler specific questions. Questions include data on demographics and program participation (such as health and nutrition programs), as well as the details of child care and early education settings in the state. Where possible, links to online data sources are provided, including both original sources and organizations that have analyzed multiple datasets. By following these links, groups can find data specific to their state to populate the tool. Where the data allows, breakouts for infant/toddler-specific data are included. National data figures provide context for state comparisons.

    Once compiled, these data could be analyzed to identify any trends, areas of need for policy change, and opportunities to support the case for increased investment. Groups using this tool will want to take...

    This tool is intended for state advocates and policymakers to use as they work to develop a state early childhood agenda. It includes a series of key questions to understand the context and conditions of young children, birth to six, in the state. Where possible, we also include infant/toddler specific questions. Questions include data on demographics and program participation (such as health and nutrition programs), as well as the details of child care and early education settings in the state. Where possible, links to online data sources are provided, including both original sources and organizations that have analyzed multiple datasets. By following these links, groups can find data specific to their state to populate the tool. Where the data allows, breakouts for infant/toddler-specific data are included. National data figures provide context for state comparisons.

    Once compiled, these data could be analyzed to identify any trends, areas of need for policy change, and opportunities to support the case for increased investment. Groups using this tool will want to take these data into consideration along with their strategic understanding of the political opportunities within the state. This tool is one of a set of materials available through CLASP to help states identify the needs of families with young children in their state and identify policy solutions to meet those needs. (author abstract)

Sort by

Topical Area(s)

Popular Searches

Source

Year

Year ranges from 1935 to 2019

Reference Type

Research Methodology

Geographic Focus

Target Populations