Money and mind: can financial coaching ease mental health struggles after incarceration?

NCT ID NCT06914856

First seen Jul 01, 2026 · Last updated Jul 02, 2026 · Updated 1 time

Summary

This study tests whether combining one-on-one financial coaching with access to safe, affordable banking services can improve both financial health and mental well-being for people recently released from jail or prison. Participants, who self-identify as having mental health or substance use challenges, will receive coaching and help opening accounts, while researchers track changes in savings, credit, housing, and mental health over time. The goal is to see if addressing financial stability can ease the stress of reentry and reduce discrimination from banks.

What this could mean

Our plain-language read of the trial. This is informational only — not medical advice or a prediction.

Active substance
Financial coaching and access to safe banking services
What this could lead to
If it works, this approach could point toward a practical way to reduce financial hardship and improve mental health for people reentering society after incarceration.
What could go wrong
This is a relatively small study focused on one geographic area, so results may not apply broadly. The intervention is behavioral, and its impact may be limited by broader systemic factors.

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Conditions

The condition(s) this trial relates to.

Financial Stress Psychological Well-Being substance abuse substance-related disorder

As listed by the trial registrant

The condition terms exactly as the trial's registrant entered them.

Contacts and locations

Locations

  • Yale University Program for Recovery and Community Health

    New Haven, Connecticut, 06513, United States

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