Too many individuals and families are experiencing financial crisis because of inadequate savings, too much debt, and poor planning for potential major life events. On average, U.S. households carry about $8,000 in credit card debt, up two-thirds compared to a decade ago. More than half of Americans report living paycheck to paycheck. During the past decade, the rate of personal bankruptcy in the U.S. rose by 69 percent. Working through land-grant universities and other partners, CSREES targets programs for youth, financially vulnerable populations, and consumers making financial decisions through their lifetime. The overall goal is for people to acquire the knowledge, skills, and motivation to build financial security. Programs focus on behavioral change, starting with achieving financial self-sufficiency, then stability. The ultimate goal, financial security, is the cornerstone of prosperous communities, nurturing neighborhoods, and strong families.
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In Focus
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2008 AFCPE Extension Pre-conference highlights extension opportunities in troubled times.
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America Saves Week 2008 produced many useful resources and reports to help youth and adults build wealth, not debt.
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CSREES, the IRS and extension agents collaborate on taxpayer education.
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eXtension provides research-based, reliable, timely personal finance online learning lessons, frequently asked questions, and an ask the expert feature.
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Family economics research focuses on how people obtain and use resources and explores relationships among individuals, families, and the economy.
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Post-secondary education in family economics prepares professionals for jobs in financial services, human services, teaching, and consumer public policy.
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Partnerships
Events
Selected Results and Impacts
Resources
Contacts
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