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The annual receipt of large tax refunds, primarily due to the Earned Income Tax Credit (EITC), provides households with unusual opportunities to pay old bills and build assets. To examine these opportunities, the study surveys 194 black, Latino, and white parents who received EITC refunds of at least $1,000; in-depth interviews followed 6 months later. The majority of households (57 percent) report that they planned to allocate a considerable portion of their refund to savings, and 39 percent are estimated to accomplish their goal. Although 72 percent of the sample planned to pay bills and debt with the refund, 84 percent are found to do so. The results also suggest that households often readjust planned allocations to meet emergencies, debt, and bills. Despite setbacks, many recipients have significant asset accumulation goals, which they say are fueled by the expectation of ongoing annual tax refunds.
Current issues are now on the Chicago Journals website. Read the latest issue.Founded in 1927, Social Service Review (SSR) is devoted to the publication of thought provoking, original research on pressing social issues and promising social work practices and social welfare policies. Articles in SSR analyze issues from the vantage points of a broad spectrum of disciplines, theories, and methodological traditions, at the individual, family, community, organizational, and societal levels.
Since its origins in 1890 as one of the three main divisions of the University of Chicago, The University of Chicago Press has embraced as its mission the obligation to disseminate scholarship of the highest standard and to publish serious works that promote education, foster public understanding, and enrich cultural life. Today, the Journals Division publishes more than 70 journals and hardcover serials, in a wide range of academic disciplines, including the social sciences, the humanities, education, the biological and medical sciences, and the physical sciences.
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