A health care system addressing financial well-being as a key driver of family and child health.
Who we are
“StreetCred seeks to improve the health and well-being of America’s youth – “
by helping families in the United States build assets and access evidence-based government support programs. Families face multiple barriers to enrollment in these programs, including confusing applications, long lines, time scarcity, and limited transportation options. In response, StreetCred makes it easier, faster, and cheaper for families to access government assistance by meeting them in a trusted, frequented, untapped location: the pediatrician’s office.
Mother of two has trouble finding affordable, trustworthy tax help, so asks Dr. Hole if he might help her while she waits in his clinic, sparking the creation of StreetCred.
StreetCred launches its pilot site at Boston Medical Center, returning over $400,000 to nearly 200 families.
StreetCred expands its tax prep services to three more Boston-based locations, putting $1.2 million in the pockets of over 550 hardworking families.
StreetCred expands beyond Massachusetts to Connecticut, North Carolina, and Texas, returning $1.7 million to nearly 1,000 families in need.
StreetCred returns over $2 million to over 1,000 families in need across 7 partner sites.
StreetCred exists because child poverty in the U.S. is rampant, harmful, and expensive.
Forty percent of children in the United States are low-income. Sixteen million, or one in five, are poor, with another one in five near poor. Poverty negatively affects children’s brains, learning, and health into adulthood, costing the US economy more than $500 billion annually in lost productivity and health expenditures. Safety net resources pull children and families out of poverty, but underutilization plagues America’s most effective programs.
Consider one example:
The Earned Income Tax Credit (EITC), a tax refund for working poor families, is considered one of the nation’s most effective anti-poverty programs. It is associated with improved infant and maternal health, higher employment rates of single mothers, improved K-12 school performance, and increased earnings when children reach adulthood.
However, access barriers prevent more than 20 percent of EITC-eligible families from receiving the money they’ve earned. Making matters worse, for-profit tax preparers take nearly $2 billion every year from EITC recipients.
Our Secret Sauce
More than 90% of children visit a healthcare provider annually. StreetCred leverages the trusting relationship families have with their pediatricians, and for some clients, makes productive use of time otherwise wasted in doctors’ waiting rooms. We partner with the IRS-sponsored Volunteer Income Tax Assistance (VITA) Program and other government agencies to train volunteers and staff to help families file taxes, maximize tax refunds and apply for other anti-poverty programs – all during their visit to the pediatrician. We handle these services directly and efficiently rather than referring families to other social service organizations outside the doctor’s office.
Partner with health clinics serving high volumes of families with low income
Partner with local Volunteer Income Tax Assistance (VITA) coalitions
Recruit and train volunteers from surrounding communities
Provide free tax preparation and wealth-building programs
Iterate and scale
Study impact on health and wealth
#TIMEISMONEY #TAXPREPWHILEYOUWAIT #WEALTHISHEALTH
How StreetCred is Making a Difference
Too many eligible families have never heard of the EITC and other anti-poverty government programs.
StreetCred advertises eligibility for government assistance programs like the EITC in hospitals, clinics, and surrounding communities.
Filing taxes and filling out pages of complicated applications for government assistance can be confusing.
StreetCred’s staff and volunteers are well-trained by local partners and IRS-sponsored curricula to walk families through filing taxes and complicated applications.
Filing taxes is expensive at places like H&R Block and Liberty Tax, especially when budgets are tight.
StreetCred’s services are free.
Tax prep sites and local government offices are often inaccessible. Think: transportation problems, inflexible hours at low-paying jobs, limited child care, and inconvenient hours of operation at gov’t-run offices.
StreetCred is convenient. We bring services to families in a trusted, frequented location: the pediatrician’s office. Get excited for multi-tasking in the doctor’s waiting room! #2birds1stone.
Lucy Marcil, MD, MPH
Lucy is a pediatrician and advocate from South Carolina who works to alleviate the health impacts of poverty. She is a primary care pediatrician at Boston Medical Center, an assistant professor of pediatrics at Boston University, and Associate Director of Economic Mobility for the Center for the Urban Child and Healthy Family. Internationally, Lucy has undertaken pediatric health-systems strengthening in Namibia, Kenya, and Bangladesh. She earned her MD from University of Pennsylvania and MPH at Johns Hopkins before completing pediatrics training at Harvard University and Boston University.
Michael Hole, MD, MBA
Mike is a first-generation college graduate from rural Indiana and former case manager for families experiencing violence turned policy professor, businessman, street pediatrician for homeless children, and the inaugural Executive Director of Financial Health Studios at the University of Texas at Austin. He led grassroots campaigns helping to fund a Ugandan school, orphanage in post-earthquake Haiti, and new food products for malnourished youths. Mike was Butler University's top student before earning an MD and MBA from Stanford and completing residency at Harvard, where his patient's story inspired StreetCred.
Director of Operations
Lisia Morales has been working in the non-profit industry for over 20 years. She has experience in program and project management, business development, facilitating training for adults, and teaching students. Lisia began her career as a bilingual elementary school teacher as part of Teach for America in South Phoenix, AZ. She then assumed project management roles at Engaging Schools, an educational non-profit, and later at the Zero Suicide Institute, a program focusing on suicide prevention. Lisia received a B.A. in Latin American Studies and Sociology from Wellesley College and a MA in Curriculum and Instruction from Arizona State University.
Chelsea MacDonald is a program manager from south of Boston with a background in research and strategy. She was the Chief Grants & Development Officer for an African nonprofit alleviating child poverty in Tanzania and brings that same passion to helping children domestically. She holds BAs in Anthropology and in Fine Art from Bridgewater State University.
Stefany Araujo is a Financial Coach from central Massachusetts with a background in private wealth management and personal banking. She serves on the board of the Boston Rotaract Club, an international group that brings young adults together to give back to their community, participate in social activities, and support professional development. Stefany is a first-generation college graduate and received her B.S. from Bridgewater State University in Management with a minor in Accounting and Finance. She loves using her positive attitude and energy to encourage others to find the best in every situation.
Virtual Tax Site Coordinator
Julia has worked in the non-profit field for over 20 years, focusing her work in the social service, education, and housing sectors. Since 1995, she has been affiliated with Women’s Development Corporation (WDC), a non-profit corporation specializing in developing and managing affordable housing for low and moderate-income families, the elderly, and persons with special needs. Her roles at WDC have included: Project Manager, Interim Executive Director, and long-time Board Member. Julia has also worked for the United Way of RI and for 8 years was a devoted Board member of the Providence After School Alliance.
Julia joined StreetCred in 2019 to coordinate a Workforce Development Pilot and is currently the Site Coordinator for StreetCred’s first Virtual Tax Site. Julia has a BA in Sociology and Anthropology from Colgate University and an MBA from Yale University with a concentration in non-profit management.
Tax Services Specialist
Wythnie Elysee is a Tax Services Specialist who is organized, detail-oriented, and focused on assisting taxpayers to acquire, at no cost, quality tax preparation. Her aim is to help taxpayers navigate through all their tax needs and to provide support and follow up, during challenging times. She enjoys what she does, the team she works with, and the taxpayers she serves.
Chief of Pediatrics, Boston Medical Center
Chair of Pediatrics, Boston University School of Medicine
Professor and Chair Emeritus of Pediatrics, Boston University School of Medicine
CoFounder, Health Leads, Reach Out & Read, and Medical-Legal Partnership.
Global Tax Innovation Leader, EY
Associate Professor of Pediatrics and Associate Chair of Policy & Community Engagement, Stanford University School of Medicine
Managing Director, Social Innovation Initiative, McCombs School of Business, The University of Texas at Austin
Faculty Director, Health Sector Management Program, Senior Lecturer & Executive-in-Residence, Boston University Questrom School of Business, CoFounder, Citizen Schools
Senior Software Engineer, Devoted Health, Former Digital Services Expert, U.S. Digital Service
Chief Financial Officer, HubSpot
Henry Putnam Professor of Economics and Policy Affairs | Co-Director, Center for Health and Wellbeing
Surgical Scheduler, Boston Children's Hospital