Addressing Income Volatility of Low-Income Populations

More than half of the U.S. population faces income volatility, which disproportionately affects low-income individuals, a group less likely to have the financial resources to manage harm caused by frequent swings in income. This report highlights the importance of income volatility and discusses policies, programs, and products that can mitigate income volatility for low-income individuals. This report also provides a road map for the client, The Financial Clinic, to position itself as a leading organization addressing income volatility.

Policy brief (pdf)


  • Course: Workshop in Public Affairs, Public Affairs 869, taught by J. Michael Collins in Spring 2015
  • Authors: Virginia Andersen, Sarah Austin, Joel Doucette, Ann Drazkowski, and Scott Wood
  • Client: The Financial Clinic

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