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Page 2
Policy
All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA.
Policy
Policymakers should establish reasonable interest rate ceilings for all lenders.
Policy
Regulators should eliminate unfair, deceptive, or abusive practices in the alternative financial services industry.
Policy
Programs that offer early wage access or pay advance benefits should be regulated as loans subject to state and federal law (see also
Policy
Policymakers should explore new, more consumer-centered systems for providing low-income assistance.
Policy
The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representi