In Delaware, housing aid comes with a seven-year deadline. This isn't just about counting down the days. It's about pushing people to improve their lives. Becca Morris, a single mom, saw this deadline as a motivator. It drove her to go back to school and secure a better future for herself and her son. She now lives in a cozy but small home, dreaming of more space.

The Delaware State Housing Authority isn't alone in setting time limits. They're one of the few local housing authorities with this power. However, the Department of Housing and Urban Development is considering a rule change. This could expand time limits and work requirements nationwide. The idea is to help people become self-sufficient. But does it really work?

Housing policy experts aren't so sure. They argue that time limits and work requirements don't necessarily boost employment or help people move off subsidies. With rent prices skyrocketing, many people could face harsh consequences. The Delaware program, though, offers more than just a ticking clock. It includes work requirements, regular financial check-ins, and a unique savings plan.

Here's how it works: If your income goes up, your rent doesn't. Instead, the extra money goes into a savings account. This way, people can save over time. Becca Morris couldn't have saved money on her own. The program's savings plan made it possible. She'll leave with a nest egg, even if it's not the full amount. She had to use her extra time due to a wrist injury and finishing her nursing degree.

The program also has some flexibility. Becca got an extra year because of the pandemic and extra time after her injury. She even got a rent break while finishing her degree. Now, after nine years, she's ready to move out. She's found a house, and she's excited about it. She'll have her own laundry, and that's a big deal to her.

Time limits haven't worked out well everywhere. In Washington state, the Tacoma Housing Authority imposed a five-year limit. But as rents skyrocketed, people struggled to save money. The housing authority ended up keeping people in the program to prevent homelessness. They found that people without a time limit actually fared better.

In Delaware, the success isn't just about the time limit. It's about the extra support, like savings accounts and help with budgeting. Many people still need low-income housing after moving on. But some do make it without subsidies, and a few even buy their own place. Becca Morris is one of them. She's excited about her new home, even if it feels overwhelming. She knows it will be tight, but she's ready to make it work.

The Clock is Ticking: How Time Limits Shape Housing Aid

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