Disrupting the Business of Bail

Low-income students are always looking for ways to finance their education. A new system using “human capital contracts” to pay for higher education isn’t as scary as it sounds.

54 million people in the United States, and 4.5 billion globally, have no credit to their name - making it nearly impossible for them to buy homes, apply for jobs and receive loans. Investors and lenders make an effort to help those with 'invisible credit' scores in financing essentials like homes or cars.

U.S. courts are offering war veterans who face jail time the choice of rehabilitation. This helps them adjust to civilian life and reduces repeat offences.

Government benefits to aid the poor are frequently left unclaimed, leaving children hungry, young people unable to finish school, and opportunities for stable housing and preventative health care unused. New York City-based program Single Stop connects people to benefits for which they may be eligible. Importantly, Single Stop has served community colleges where disadvantaged students can use the assistance to help get through school.

For first-time youth criminal offenders, the traditional American jury falls short in encouraging behavioral change and may even set the juvenile on a course for repeated crimes. Washington, DC’s Youth Court is a jury that tries juveniles for minor non-violent offenses and offers peer pressure to prompt positive behavioral change. The DC Youth Court is one of many in the United States that reduces crime and future court costs.

Millions of families of arrested individuals do not know what to do to help, how to obtain a lawyer, or what the process entails in the court system. Created by Albert Cobarrubius Justice Project, participatory defense is a type of community organizing that teaches and empowers people who face criminal charges. Individuals know how to work with attorneys in order to navigate the system and ultimately feel equipped to become drivers of their own change.

When you don’t live in a city, if you don’t have a car, you don’t have a job. But car payments can eat up a salary quickly - a New England program offers low-cost car loans to people who need them most.

Felons get out of jail owing hundreds or thousands of dollars in court and parole fees, acting as an often insurmountable barrier preventing them from reintegrating into society and staying out of jail. What's worse, these fees often end up costing the state more than they produce. Two columns on a program called the Clapham Set, which erases or reduces debts for felons who take classes and job training.

More women are being incarcerated around the United States and that has spurred more institutions to create prison nurseries, which allow women to be with their newborns. It's not a new idea, but it's finding support among prison advocates as well as budget hawks because research shows nurseries can lower recidivism rates among mothers. The idea of children in prison remains controversial however.

This is a column on an important new development program in use in at least 40 developing countries: give the poor cash payments, contingent on their use of health clinics and their children’s school attendance, to help break the cycle of poverty.