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Debt, Incarceration, and Re-entry: a Scoping Review.

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Incarceration deepens debt for individuals and families, negatively impacting financial well-being and reentry. Criminal justice debt, like legal financial obligations (LFOs), is common and often unpayable, requiring significant reform.

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Area of Science:

  • Criminology
  • Sociology
  • Public Health

Background:

  • Individuals within the U.S. criminal justice system are disproportionately low-income and indebted.
  • Incarceration exacerbates financial hardship and debt, with limited understanding of its impact on individuals, families, and reentry.
  • Debt is a significant, yet understudied, burden for justice-involved populations.

Purpose of the Study:

  • To conduct a scoping review identifying existing research on the debt burden of incarcerated individuals and their families.
  • To understand how this debt impacts their lives and reentry experiences.

Main Methods:

  • A comprehensive search of 14 databases from 1990 to 2019 was conducted.
  • Searched for original research on financial debt among incarcerated individuals in the U.S.
  • 31 studies were selected for data extraction and analysis.

Main Results:

  • Justice-involved individuals face substantial debt burdens from criminal justice involvement (e.g., legal financial obligations - LFOs), pre-existing debts, and survival needs during reentry.
  • Debt negatively affects financial well-being, reentry success, family dynamics, and mental health.
  • LFOs and child support debts are prevalent and often unpayable; other debt types remain under-researched.

Conclusions:

  • Extensive policy and systemic reforms are crucial to alleviate debt burdens for the justice-involved population.
  • Reducing debt is essential for improving reentry outcomes and overall quality of life.
  • Further research is needed on various forms of debt impacting this vulnerable group.