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Joe Valenti

Joe Valenti was a senior strategic policy advisor at the AARP Public Policy Institute. His areas of expertise include consumer debt, predatory lending practices, and access to safe and affordable financial products and advice. Read his full biography.
Financial access gaps persist, and demonstrate how much work remains to ensure that all financial products are fair, equitable, and affordable.
The pandemic has highlighted longstanding gaps in bank account access and ownership for older adults.
A payment pause and expanded employer assistance help some borrowers tackle their student loans, although others are left out.
College costs have increased substantially from 1964 to today, and higher costs and borrowing may affect young workers’ retirement security
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