The Indiana Institute for Working Families' policy briefs synthesize existing research and make recommendations for change. Have a topic you would like to see covered? Let us know.
Access to Financial Services
Access to affordable financial services can reduce the cost of day-to-day transactions, make savings easier, and improve financial well-being. Addressing the barriers and improving consumer protections will allow more Hoosiers to achieve their financial goals.
September 2018 | Download the PDF
Having a debt in collections can be devastating: it can damage credit, involve a lawsuit, and result in wage garnishment or seizure of property. It is critical that federal and state laws promote transparency, accuracy, and fairness in the collection process.
July 2018 | Download the PDF
Payday loans are marketed as a short-term credit solution, but the reality is far different. The median borrower makes just under $2k per month and repeats these high-cost, 382% APR loans eight to ten times per year.
DECEMBER 2017 | Download the PDF
Central Indiana Public Transit and Self-Sufficiency
Reliable regional public transit would create savings for low-income families and expand economic opportunity.
OCTOBER 2016 | Download the PDF
SNAP Asset Limits
For Hoosiers that depend on Supplemental Nutrition Assistance Program (SNAP) benefits, the program's asset limits disincentivize savings, which is a critical step toward self-sufficiency.
NOVEMBER 2015 | Download the PDF
Supportive Services for Indiana's Adult Learners
Without supportive services, barriers like family obligations, child care, transportation, and misaligned school and work schedules will continue to stand in the way of Indiana's education completion and workforce development goals.
MARCH 2015 | Download the PDF
Child Care Development Fund (CCDF)
When a $.50 increase in hourly wages leads to a complete loss of benefits, families are disincentivized from accepting hard-earned increases in pay.
NOVEMBER 2013 | Download the PDF
Eligibility requirements for both the Supplemental Nutrition Assistance Program (SNAP) and Temporary Assistance for Needy Families (TANF) set limits on both income and countable resources (assets). For a number of compelling reasons, many states have elimintated the "asset test" - but Indiana is not yet among them.
Individual Development Accounts - March 2013
Financial Aid and ‘Bundled’ General Fund Support - December 2012
Child Care Development Fund (CCDF) - July 2011
Lifelong Learning Accounts - August 2011
Individual Development Accounts – August 2011
Earned Income Tax Credit (EITC) - May 2011
Paid Sick Leave - May 2011
Workforce Investment Act, Title I - May 2011
National School Lunch and Breakfast Programs - May 2011
Middle Skill Jobs - May 2011
Cliff Effect - April 2011
Asset Poverty - April 2011
Unemployment Insurance – February 2011
Self-Sufficiency Standard: How it Can be Used? – January 2011
*All documents listed are in Portable Document Format (PDF). To get the latest version of the Adobe Reader go to http://get.adobe.com/reader/