Residential street with sun shining along the powerlines
Topic

Improve Economic Advancement

Overview

Economic opportunity is the foundation of American society. Pew supports national, state, and local efforts to expand opportunity and promote financial well-being. Our work helps people pay off student loans, navigate court proceedings such as debt collection, buy or rent a home, access affordable internet, and save for their retirement.

Featured

Expanding Mortgage Access Can Help Reduce Reliance on Land Contracts

When homebuyers can’t obtain a mortgage, they sometimes turn to a potentially risky alternative: land contracts. Also known as contracts for deed or land installment contracts, these arrangements have been a small but notable fixture of the U.S. housing market for decades.

Policies to Expand Manufactured Home Mortgages in Virginia

Manufactured homes, which are built in a factory and transported to a lot rather than built on-site, provide one of the most affordable paths to homeownership in the United States, particularly for families with low or moderate incomes.

Unlocking Mortgage Access for Buyers of Manufactured Homes in Kentucky

Manufactured homes, which are built in a factory and transported to a lot rather than built on-site, provide one of the most affordable paths to homeownership in the United States, particularly for families with low or moderate incomes. A new manufactured home can save a buyer between 27% and 65%, compared with the cost of a new, similarly sized site-built single-family house.

Policies to Expand Manufactured Home Mortgages in Minnesota

Manufactured homes, which are built in a factory and transported to a lot rather than built on-site, provide one of the most affordable paths to homeownership in the United States, particularly for families with low or moderate incomes.

Mortgage Lending Standards Are Too Tight

Over the last two decades, homeownership has drifted out of reach for many Americans, especially young adults, racial minorities, low- and moderate-income households, and those who live in rural areas.

Fact of the Matter

56M
U.S. WORKERS
don't have access to a retirement savings plan through their jobs.
51%
OF FEDERAL STUDENT LOAN BORROWERS
said they did not feel financially secure in a 2024 survey.
$3B+
IN RETIREMENT SAVINGS
had been accumulated by more than 1.3 million workers through state programs as of June 2026.
27–65%
LOWER CONSTRUCTION COSTS
are possible for factory-built homes compared with homes built on-site.
>5M
STUDENT LOAN BORROWERS
were in default when federal debt collections resumed in May 2025.
$240,000
MEDIAN WEALTH GAP
separated White and Black families in 2022.

OUR WORK

Our Work

Professional psychologist doctor listening and giving the consult to female patients

Good health is important to everyone. Pew conducts research and provides information and fact-based recommendations to state agencies, hospitals, researchers, and other health partners to help them provide better care. We find and share evidence-based practices to improve Americans’ health and well-being, including services that can prevent suicide, improve mental health care, and treat substance use disorder.

Bustleton Free Library in Philadelphia, PA, on Thursday September 12 2024.

Communities throughout the country share common needs: affordable connections to broadband Internet, modern and reliable energy infrastructure, effective responses to mental health challenges, and ways to resolve legal disputes more quickly and fairly. To address these issues, Pew collaborates with states and local governments to find and promote evidence-based solutions that help provide stability and opportunity.

High angle helicopter shot of the Capitol Building in Washington, D.C. at twilight on a clear evening in Fall, with Pennsylvania Avenue beyond.

Nonpartisan, fact-based improvements in federal policy can create jobs, lower costs, and help the nation prepare for the future. When our research shows that small changes can have a big impact, we work across party lines to improve national challenges like housing affordability, internet access, energy reliability, and health care.

Economic opportunity is the foundation of American society. Pew supports national, state, and local efforts to expand opportunity and promote financial well-being. Our work helps people pay off student loans, navigate court proceedings such as debt collection, buy or rent a home, access affordable internet, and save for their retirement.

Turkish world record-holder free-diver and divers of the Underwater Federation Sahika Encumen dives amid plastic waste in Ortakoy coastline to observe the life and pollution of Bosphorus in Istanbul,

The global ocean teems with life, and it contributes to the vital cycles that keep people and our planet healthy. But the seas are vulnerable to overfishing, loss of habitat such as seagrasses and mangroves, ineffective fisheries management, plastic pollution, and declining biodiversity. These mounting losses affect the coastal communities that depend on the ocean for food and jobs.

The House Chamber at the Kentucky State Capitol is shown as the legislature tries to wrap up its session

States and cities are the “laboratories of democracy” in America—the places where lawmakers and governors look for new ways to help their communities succeed. Whether in Pew’s hometown of Philadelphia or any of the 50 state capitals, we help elected leaders respond to the needs of their citizens, use public dollars wisely, fix outdated policies, and build a better future for all.

A view of steep cliff, grand canyon and Colorado river from Toroweap overlook.

Conserving natural spaces conveys benefits far beyond the gains to wildlife and their habitats. As scores of studies show, protecting and restoring lands and waters, particularly when done in close partnership with local communities, also improves people’s lives—and local economies—by increasing tourism and outdoor recreation.