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The Saving for Education, Entrepreneurship, and Downpayment (SEED) project was a national initiative to introduce and test the effectiveness of child savings accounts (CSA). These accounts provide depositors with tax-free savings that can be used to pay for post-secondary education, the purchase of a new home or automobile, or to start a small business. This type of asset is not equally distributed across the United States, where many families struggle to afford a $400 unexpected expense. By focusing on childhood, SEED hoped to demonstrate that given the opportunity, mechanism, and encouragement to save, low-income families could provide a valuable nest-egg to youth when they finish high school.

MI-SEED was launched in 2004 through the Oakland Livingston Health Services Agency (OLHSA) at 14 Head Start centers across both counties. Roughly 500 families received CSA’s along with an initial $800 deposit. Eligible families also received a $200 match deposit. All subsequent deposits were matched 1-1 up to $1,200. As of September 2019, participants had saved more than $934,000, with an average balance of more than $2,000. 

The Center for Equitable Family and Community Well-Being monitors the progress of MI-SEED participants, with particular attention to college enrollment.


MI-SEED Reunion

Welcome + MI-SEED Account Explanation from OLHSA & MESP

How to Make a Qualified Withdrawal + Parent Questions

Transitions: Mental Health Considerations After High School

Colleges & Careers: Navigating Life After High School

How to Contact Us + Words of Wisdom & Encouragement for Students

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