Learn more about the research that substantiates the effectiveness of child savings accounts.

Brown School: Center for Social Development

The Center for Social Development is a hub for implementing and testing applied social innovations that broaden the well-being for individuals, families, and communities. The following articles are selected readings from their website. Explore more findings and reports at csd.wustl.edu.

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M. & Sherraden, M. (2020, April). Child Development Accounts in the COVID-19 Crisis: Lessons from the Great Recession, (CSD Research and Policy Report 20-11). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/3shqW0G

Clancy, M. M., Sherraden, M., & Beverly, S. G. (2019, November). Child Development Accounts at Scale: Sample State Legislation (CSD Policy Summary No. 19-46). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/3bmzT2D

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M. & Sherraden, M. (2019, November). Statewide Child Development Accounts and local partnerships: A scalable model that can include all children (CSD Policy Brief No. 19-45). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/3pVH45Q

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M. & Sherraden, M. (2019, October). Financially vulnerable families reap multiple benefits from Child Development Accounts (CSD Research Brief No. 19-40). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/3ot1qmM

Huang, J., Beverly, S. G., Kim, Y., Clancy, M. M. & Sherraden, M. (2019, January 17). Exploring a Model for Integrating Child Development Accounts with Social Services for Vulnerable Families, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/2JWBErY

Clancy, M. M., & Beverly, S. G. (2017). Statewide Child Development Account Policies: Key Design Elements. (CSD Policy Report 17-30). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/39dakON

Martin, T. (2011, December 13). Impact of Assets and the Poor grows 20 Years After its Release. The Source. St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/38tx9Pg

Clancy, M. M., Sherraden, M. and Beverly, S. G. (2015, January). College savings plans: A platform for inclusive and progressive Child Development Accounts (CSD Policy Brief No. 15-07). St. Louis, MO: Washington University, Center for Social Development. Retrieved from https://bit.ly/3bmZXdN


University of Michigan: School of Social Work

Dr. William Elliott III is a professor at the University of Michigan’s (U-M) School of Social Work and founder of the Center on Assets, Education, and Inclusion (AEDI). He is a leading researcher in the fields of children's savings and college debt. His research interests are broadly focused on public policies related to issues of economic inequality and social development. See his full publication list at https://bit.ly/3hVA5aa


Prosperity Now Scorecard

The State Outcome and Policy Report is a summary of race and policies for each state across five issue areas: financial assets and income, businesses and jobs, homeownership and housing, health care and education. You may download customized data at scorecard.prosperitynow.org.

State Outcome & Policy Report (2020). Prosperity Now Scorecard. Retrieved from http://bit.ly/3hU5ycW


Boshara, R. (2011, January 1). Seven Surprising Findings from the Asset-Building Field. Federal Reserve Bank of St. Louis. Retrieved from http://bit.ly/39tMkav


Elliott, W., Song, H-a., Nam, I. (2013, March). Small-Dollar Children’s Savings Accounts and Children’s College Outcomes by Income Level, Children and Youth Services Review, Bol. 35, Pages 560-571. Retrieved from http://bit.ly/3biu1aJ


Elliott, W., Jung, H., and Friedline, T. (2010). Math achievement and children’s savings: Implications for child development accounts. Journal of Family and Economic Issues, 31(2), 171-184. http://bit.ly/3saJ6Bg

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Looking to save for your kid's education?

California Kids Investment and Development Savings (CalKIDS)

CalKIDS, the nation’s largest CSA program, aims to launch in 2021 and will jumpstart college savings for approximately 450,000 California newborns annually.

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Image of a quote from member of the California Board of Education: “California makes a true commitment to every newborn and lays the foundation for additional, targeted incentives to lift up disadvantaged families.

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