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The academic and behavioral effects of a child savings accounts program on at-risk high school students

Kim, Johnny S.
Johnson, Toni
Children's Savings Account
Publication type: 
Journal Article

Economic strains play an important factor in students not only dropping out of school but also for not being able to attend college. As the cost of college tuition increases, many youths may perceive that the possibility of attending college may be out of their reach for financial reasons. Using data drawn from the savings for education, entrepreneurship, and down-payment initiative participants, this study explores asset building through a child savings account (CSA) program aimed at removing economic barriers to higher education for youths with financial needs. Concept mapping analysis was used to better understand how assets obtained through CSAs affect high school students' academic and behavior goals from a nonprofit youth development program in San Francisco, CA. Results show students find the CSA program helpful in learning fiscal management and saving for postsecondary education. All students rated the clusters on savings for education and fiscal education as being very important for their academic and career success and reported mostly big changes since participation in San Francisco SEED Program.


Kim, J.S., & Johnson, T. (2012). The academic and behavioral effects of a child savings accounts program on at-risk high school students. School Social Work Journal, 37(1), 75-95.

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