ABSTRACT

Prior research indicates that welfare receipt negatively affects households’ planning and saving for offspring’s post-secondary education. Recently, a growing body of literature suggests that Children’s Savings Accounts (CSAs) are effective in increasing the saving rate of American households. Findings of this study suggests that welfare receipt is negatively associated with saving for college; Promise Scholars is positively associated with saving for college; and the effect of Promise Scholars on saving for college exists among welfare recipients. Research and policy implications are discussed.

中文翻译：

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利用儿童储蓄账户和早期奖励在福利接受者中建立大学储蓄：承诺学者的案例

摘要

先前的研究表明，福利收入对家庭计划和为子女的中学后教育进行储蓄有负面影响。最近，越来越多的文献表明，儿童储蓄账户 (CSA) 可有效提高美国家庭的储蓄率。这项研究的结果表明，福利收入与大学储蓄呈负相关；Promise Scholars 与为大学储蓄正相关；承诺学者对大学储蓄的影响存在于福利接受者中。讨论了研究和政策影响。