Consumer debt is a systemic problem with significant consequences, but there are systemic solutions.
A growing body of research shows that month-to-month income fluctuates wildly for low-and moderate-income Americans. This unpredictable income significantly impacts the financial lives of these individuals making it hard for them to meet monthly expenses, save, pay down debt, qualify for a loan, or handle a major unexpected expense.
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EPIC is an initiative of the Aspen Institute's Financial Security Program.
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