Abstract
Background
The People’s Project (TPP) in Hamilton, NZ takes a Housing First approach to eliminate homelessness. A recent research collaboration provides epidemiological evidence regarding: the people served through TPP; their service engagement; pathways into homelessness; and lost opportunities for early intervention.
Methods
Data has been collected from a total of 755 TPP participants, including those from client registrations (July 2015-March 2017; n = 695) and a ‘pathways into homelessness’ questionnaire implemented in 2019. All participants were asked questions regarding their experiences of debt, levels of debt and the specific agencies and debtors involved.
Results
Common pathways into homelessness included individual factors (e.g. substance dependencies, family breakdown), structural factors (lack of suitable and accessible housing, deinstitutionalisation, service failures), and poverty exacerbated by debt. Of this cohort, 62% described current debt, and $2.8million (NZD) of debt was estimated (average of $10000 per person). Debts to government agencies were common and significant, including to Work and Income NZ, student loans, court costs and Housing NZ.
Conclusions
Financial difficulty, and particularly debt, is an important tipping point into homelessness. High levels of debt exclude people from permanent housing and challenge policies and practices aiming to end homelessness. Furthermore, debt to government agencies - required to invest in homelessness prevention and support - is a systems and policy failure.
Key messages
Financial difficulties, specifically debt, and systems failures are important tipping points for vulnerable populations into homelessness
Debts owed to government agencies by the homeless population provide an opportunity to reorient the system to support homelessness prevention.
600Homelessness in Hamilton, New Zealand: debt as a tipping point?
