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All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA. 

Policymakers at all levels of government should expand access to homeownership opportunities to help families build wealth and lock in affordable housing payments over the long term.

Policymakers should support the creation of permanent affordable homeownership options for people with low and moderate incomes.

Reverse mortgage proceeds should not affect homeowners’ eligibility for public benefit programs.

Servicers should be required to provide loss mitigation options to HECM borrowers.

Policymakers should expand access to affordable small-business government-guaranteed loans, including those from the Small Business Administration.

State and local governments should require sharing economy companies to ensure that providers have appropriate and adequate insurance coverage to protect both providers and consumers (see also

Merchants should offer their customers a choice of payment methods to ensure that their products and services are widely available.

Congress should provide adequate funding for ADA enforcement activities. It should utilize the higher federal match for compliance with the ADA. Congress also should

The following principles guide AARP’s efforts to further budgetary decisions that reflect the needs of all members of society.