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Good Debt, Bad Debt, and Upward Mobility: An Analysis of San Antonio's West Side Families

  

Authors:
Don Baylor /(512) 320-0222 x 108
Frances Deviney /(512) 320-0222 x 106

April 13, 2009

Good Debt, Bad Debt, and Upward Mobility >>  
Methodology >>  

The Center for Public Policy Priorities and the Annie E. Casey Foundation share the belief that to secure positive futures for children, we must help their families and communities provide the needed resources and supportive environments. This paper analyzes the data collected by Making Connections-San Antonio about the debt, credit, and assets of low-income families living in the West Side of San Antonio, Texas. Based on these data, we recommend policies to increase savings rates and provide low-income, urban families in Texas access to short-term capital to meet unexpected needs while creating a regulatory environment for credit services, including payday loans and automobile title loans.