According to the New York City Department of education, 75% of enrolled students in 2016-2017 school year lived in poverty. About 4 in 10 adults ages 18 to 29 currently have student loan debt according to Pew Research Center. Currently only four states, Missouri, Tennessee, Utah and Virginia, require high school students to take a class on personal finance before graduation as reported by Jump$tart Coalition for Personal Financial Literacy, a nonprofit organization that promotes financial literacy. Combine all this with the predatory financial practices such as check cashing places and payday loan plaguing low-income/ immigrant neighborhoods, young people are set up for failure.
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