Poor health and lack o insurance can create signicant medical debt. Fiy-three percent o low-incomeadults and 56 percent o moderate-income adults in the U.S. struggle to pay medical bills.
Overall, 61 percent o under-insured or uninsured adults in the United Statesreport problems with medical bill and medical debt.
Research showsthat 62 percent
o bankruptcies are rooted in excessive medical debt.
5. Unreiabe Tranprtatin
Transportation to work is a particular challenge or those living in rural environments with distant and scattered
I a person cannot reliably get to employment, that employment will not be retained or any
length o time. Studies show that transportation is a major source o absenteeism or recently hired recipients o public assistance,
with 41 percent o his/her absences are likely attributa
ble to transportation problems.
Lack o access to a re
ivate vehicle is oen reported as the most serious b
arrier to employment or low-income persons a
nd recipients o public assistance in rural areas.
Only 1 in 4 adults in rural areas receiving government cash assistance (ANF) evenowns a registered vehicle.
And yet, rural governments nd it dicult to und and provide public transportation to thewide areas they serve. Non-traditional work hours, such as night-, swing- and weekend shis may not occur in conjunc-tion with scheduled public transportation services, and lack o transportation aects not only employability but alsoaccess to other services essential to preventing poverty including training programs, medical appointments, agency appointments, and childcare acilities.
6. Lak Afrabe Huing
Any household budget dedicating more than 30 percent o its income to housing costsis considered “cost burdened”.
Yet, 71 percent o low-income renter households in theUnited States spend more than hal o their monthly income on housing.
Te averagerenter in Deschutes County must earn at least $14.77 per hour and work ull time tolive in an aordable 2-bedroom rental
while Crook and Jeerson county renters mustearn $12.92 and $12.12, respectively.
For low-income amilies who cannot nd aord-ablehousing, homelessness is a constant threat, and or many, a reality. During the last1-night homeless count, volunteers counted 2,402 individuals who sel-identied ashomeless.
Te school systems in Central Oregon have over 1,300 known homelessstudents in their schools.
Both o these numbers are an increase over 2009 and showno sign o leveling o. Homelessness creates additional challenges because withouta home, it is dicult to maintain adequate nutrition and hygiene, seek or maintainemp
loyment, receive mail or maintain contact with nancial institutions or maintainstable relationships. In addition, many homeless people encounter unavoidable entan-glement with the legal system as they seek to meet lie’s basic needs with no supports.
7. Chiho Pverty
Child poverty and economic hardship can have signicant consequences or children’sdevelopment and lie chances. oday, 19.2 percen
t o children
in Oregon live inpoverty.
Unortunately, children who experience poverty are more likely to be pooras adults. Growing up in poverty can be harmul to children’s cognitive developmentand ability to succeed in school, to their social and emotional well-being and to theirhealth.
Many actors can aect a child’s potential earning power. It is known, orexample, that chronic stress rom growing up poor has a direct impact on a child’sbrain, leaving his/her working memory impaired.
Nutrition in childhood, as well,aects learning, growth and develop
ment, which in turn aects educational success, job prospects and uture behavioral
patterns. In act, adults who have spent more thanhal their childhood in poverty are more likely to be poor as adults.
Four out o veour
th graders rom low-income amilies are also not procient in reading,
which is a critical indicator or utu
resuccess. Te ailure to help children rom low-income amilies reach this milestone reinorces educational deciency and poverty into the next generation.
8. Lak Aces t Afrabe, Quaity Chiare
By one estimate, the cost o ull-time childcare or an inant or toddler is $580 per month, without subsidies.
Tatequates to nearly 40 percent o the income o a person working a minimum wage job ull-time. Reliable care is criticalor working parents, and high-quality care is important or children’s development. For low-income children, it can help
bridge the achievement gap between them and their more afuent peers.
Families in pov
erty tend to use rien
41% wrkabene byTANF reipientare ikey ue ttranprtatinprbem.