JRLC Action Alerts

Raise MFIP Grants

April 14, 2015 --Please contact your Minnesota House member and urge state legislators to raise the MFIP Grant! MFIP, the Minnesota Family Investment Program, provides basic economic assistance for children and their parents working toward full-time paid employment. All parents enrolled in MFIP must be working, job searching, pursuing education or job training.

The basic grant for a family of three is $532 per month and hasn’t been increased since 1986. Increasing the MFIP basic grant—using our federal TANF block grant funds—would make a significant difference to low-income children and striving workers. Raising the MFIP grant is key to fighting childhood poverty.

An additional $100/month would help families:

  • GET STABLE. A modest income boost is correlated with stronger education, health, and developmental outcomes for children. An additional $100 per month would help families cover basic expenses, including housing and transportation.
  • GET SKILLS. An additional $100 per month will help parents enrolled in school, certificate classes, and job-training programs pursue these activities.
  • GET TO WORK AND GET AHEAD. Workforce professionals cite transportation as the top barrier to employment for parents enrolled in MFIP. An additional $100 per month would help parents afford transportation to job interviews, work, and employment activities.

Tell your MN House member: Please raise the MFIP grant. Pass HF 869 (Franson) and SF 734 (Hayden), and raise grant levels by $100 per month by using federal TANF funds for their intended purpose.

Legislators are deciding their budget priorities right now. The StarTribune endorsed the MFIP grant increase in their lead editorial on Sunday. This is the time to voice your support for working families making their way out of poverty and gaining financial security.

Thank you for being part of JRLC's Legislative Network and let us know if you get a response from your legislators!

Child Care Funding: Kids Can't Wait

April 6, 2015 -- Affordable, accessible child care allows parents to work and children to thrive. Child care is a big part of family budgets, and is essential to building a stable workforce and growing economy. But thousands of income-eligible Minnesota families have to wait months, even years, for child care assistance because current funding is inadequate. The clock is ticking as families are place on waiting lists.

Call or email your legislators today—let them know that kids can’t wait any longer.

Ask your state senator and state representative to support Senate File 1199 (Hayden)/ House File 1057 (Franson), which provides the funds needed to make child care affordable for the over 5,500 families on the waiting list for Basic Sliding Fee Child Care Assistance and increases reimbursement rates so childcare providers can afford to accept families receiving assistance.

Legislators are deciding their budget priorities this week. This is the time to voice your support for affordable child care and help working families make their way out of poverty and gain financial security.

Thank you for being part of JRLC's Legislative Network and let us know if you get a response from your legislators!

Stop the Payday Loan Debt Trap!

stopdebttrap

Payday loans are small-dollar, high-interest loans requiring full payback on the borrower’s next payday. They carry triple-digit annual interest rates, are due in full on a borrower’s next payday, require direct-debit access to a borrower’s bank account, and are made with little or no regard for a borrower’s ability to repay the loan. Because of these features, borrowers often cannot both repay the payday loan and meet their other obligations without having to quickly re-borrow, pulling them into a vicious debt trap.

In Minnesota, a typical payday loan is $380 and carries an APR of 273%, and is re-borrowed an average of TEN times (or twenty weeks) in a year. By the end of those twenty weeks, an individual will pay $397.90 in charges for a typical $380 payday loan. Payday loans don’t solve financial pressures; they make them worse.

CALL or WRITE YOUR LEGISLATORS and ask them to support payday lending reform! Key points:

  • More often than not, payday loans lead borrowers right into a debt trap
  • Stop the payday loan debt trap by capping the number of payday loans issued to a single borrower to four loans per year
  • Require payday lenders to use basic underwriting standards
  • Close the loophole that allows some lenders to evade our payday lending law

Want to learn more? Check out JRLC's fact sheets and issue paper on payday lending:

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