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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.

Federal, state, and local governments should fund community-based outreach, education, and promotion efforts that include targeted initiatives for at-risk and underserved beneficiaries.

Federal, state, and local governments should fund research to understand better why evidence-based Medicare-covered preventive services are underutilized in the general Medicare population, particu

All levels of government should adopt policies ensuring that individuals with limited or no English proficiency have adequate language access to their health care provider.