As the United States approaches the 25th anniversary of September 11, 2001, the nonprofit 9/11 Day is putting major resources behind a familiar idea with renewed urgency: remembrance through service. The organization—founded by 9/11 families and leaders and co-led by co-founders David Paine and Jay Winuk—announced $3 million in grants to roughly 200 nonprofits, schools, and community groups across 40 states to expand local volunteer projects tied to this year’s September 11 National Day of Service and Remembrance.

The funding is designed to dramatically increase the number of ways Americans can participate close to home, from food insecurity initiatives to neighborhood cleanups and support programs for veterans and first responders. Together, grant recipients are expected to engage more than 70,000 volunteers nationwide.

A major push toward youth-led service

More than 70% of the grant funding is going to youth organizations and educational institutions, including K–12 schools, universities, and other learning programs. The emphasis reflects a generational reality: millions of students today know 9/11 primarily through textbooks, family stories, and classroom lessons.

“For many students participating in the observance this year, 9/11 is something they’ve only encountered in textbooks or through stories from parents and grandparents,” said Jay Winuk, co-founder and executive vice president of 9/11 Day and a 9/11 family member. “By connecting history with hands-on service, we’re helping young people understand that the legacy of 9/11 isn’t defined only by tragedy. It’s also defined by compassion, resilience and the responsibility we all share to care for one another.”

Youth-focused projects supported by the grants include school-wide days of service, hunger-relief efforts, donation drives, community improvement work, and service-learning initiatives that connect the history of September 11 with practical ways to help others.

UNIITE for Good: turning an anniversary into a nationwide “doing good” moment

The grant program is a cornerstone of 9/11 Day’s nationwide UNIITE for Good campaign, scheduled to officially launch August 24. The campaign aims to transform the 25th anniversary into what organizers describe as America’s largest day of doing good—channeling remembrance into tangible community impact.

The program is administered in collaboration with AmeriCorps, with principal funding provided by AmeriCorps and the Popeyes Foundation. A special emphasis this year is addressing hunger—an issue described in the release as an “ever-growing hunger crisis across the nation.”

Meeting community needs where people live

Grant-funded projects span urban, suburban, and rural communities. Activities include assembling meals for individuals and families facing food insecurity, packing care kits for veterans and first responders, restoring community spaces, and strengthening schools and neighborhoods.

Beyond the service itself, the grants are also intended to help local groups recruit volunteers, purchase supplies, coordinate logistics, and expand the number of service opportunities available in their areas.

“As we mark the 25th anniversary of 9/11, we have a responsibility to preserve not only the memory of that day and those lost and injured, but also the extraordinary way Americans came together in the aftermath of the attacks,” said David Paine, president and co-founder of 9/11 Day. “These community-led projects are helping rekindle that spirit of unity, compassion and service by bringing neighbors together to help solve local challenges.”

AmeriCorps echoed that message, framing service as a way to honor those who responded in the immediate aftermath of the attacks.

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“This year, we invite Americans to carry forward that enduring spirit of unity and service by becoming a hero for someone in need,” said Emily Stock, project manager for Volunteer Initiatives at AmeriCorps, noting that AmeriCorps-funded projects will include food drives, home repairs, neighborhood cleanups, and disaster preparedness activities.

The Popeyes Foundation also highlighted its community-focused mission and its role in supporting local projects.

Why this anniversary matters now

Organizers say the 25th anniversary arrives at a pivotal moment: more than 100 million Americans are now too young to have personal memories of September 11. That makes this milestone one of the last major opportunities to connect those who lived through the day with younger generations learning about it as history.

Examples of grant-supported efforts include:

• Marshall University, which plans to build on its existing 9/11 Days of Service tradition, including a Memorial Stair Challenge and volunteer projects supporting veterans, first responders, and families in need.
• Middlebury Elementary School, which will expand hands-on service activities that teach younger students about 9/11 through compassion and community action.
• University of South Dakota, where students will work alongside community partners to address local needs while learning how service can bridge backgrounds and perspectives.

How to get involved

A full list of 2026 9/11 Day Grant Program recipients is available through 9/11 Day. To learn more about the September 11 National Day of Service and Remembrance—and to find ways to participate—visit 911day.org.

STM Daily News will continue tracking community service initiatives and local observances tied to the 25th anniversary as September approaches

Jay L. Zagorsky, Boston University

The number of Americans who file for bankruptcy is growing. More than 500,000 people took this step in 2025, nearly 50% more than in 2022. And the numbers have kept on climbing, with a 12% jump in June 2026 from a year earlier as many consumers struggled to pay their bills.

I am a business school professor who has researched bankruptcies and whether, when you are at the end of your financial rope, bankruptcy helps or hurts.

I became interested in the subject while in graduate school. Not because of any courses I took, but because I ran out of money. While I was in grad school, my wife, who was keeping the family afloat, unexpectedly lost her job at the very moment our savings went to zero.

Ultimately, we didn’t declare bankruptcy, and I’ll explain later what we did to avoid it. But this near brush with that fate sparked my long-term interest in this predicament that befalls many American consumers who find themselves financially stressed out.

What’s personal bankruptcy?

Bankruptcy is a legal process for people who can’t pay their debts. Because it usually requires liquidating their assets or entering a repayment plan, Americans generally turn to it as a last resort. To declare bankruptcy you first file a petition with a federal court, which appoints a trustee to oversee your case.

But bankruptcy does not discharge all debts.

There are 19 types of debts that even bankruptcy will not wipe out. Some of the bigger categories are alimony, child support and most taxes. Student loans can be wiped out, but getting that done is difficult and it’s not an automatic part of bankruptcy proceedings.

2 conflicting goals

U.S. bankruptcy law has two big goals that contradict each other.

The first is to give honest individual debtors a “fresh start.” The process ideally reduces or eliminates enough of their debt to make it possible to earn, spend, borrow and repay money like people with a more typical financial life. In other words, personal bankruptcy can take the financial noose off debtors’ necks.

The second is to ensure that creditors get repaid as much as possible for their loans. When someone declares bankruptcy, some or maybe all of their creditors don’t get their money back. In 2024, the Americans who filed for bankruptcy had about US$75 billion in assets, but they owed their creditors about $86 billion – $11 billion more.

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States and the federal government make different trade-offs between these goals. As a result there are very different limits on how much equity – the difference between market value and what you owe – debtors can keep in their primary homes and personal property after they declare bankruptcy.

Some states are quite lenient. For example, Texas bankruptcy law doesn’t limit the amount of equity in a home at all. That helps debtors get back on their feet.

Other states are extremely strict in this regard. Arkansas limits home equity after personal bankruptcy to $800, and Kentucky restricts it to $5,000. This helps creditors: Lenders can force a debtor’s house to be sold and keep much of the equity the debtor built up.

Likewise, laws protecting vehicles and other kinds of personal property belonging to people who declare bankruptcy vary widely.

2 types of personal bankruptcy

People declaring bankruptcy typically file using either Chapter 7 or Chapter 13 of the federal bankruptcy code.

About 2 in 3 people use Chapter 7, a form of financial liquidation. The bankruptcy court appoints a trustee, who then sells off all of a person’s possessions, except what is covered by the various exemptions.

The trustee then gives creditors whatever money is left after the sale. In exchange for giving up most of what someone owns, filing Chapter 7 wipes out almost all debts and gives them a fresh financial start.

For people earning moderate to high incomes and whose debts are less than $2.75 million, bankruptcy courts make them use Chapter 13.

Chapter 13 is a slower-moving process. Creditors are paid over three to five years from a person’s earnings. Debtors keep enough of their wages to cover necessary living expenses, but all other disposable income goes to creditors. Chapter 13 allows people to save their homes from foreclosure and keep their vehicles.

Bankruptcy filing rising after decline

The number of personal bankruptcies filed annually fell sharply for more than a decade before the recent uptick, hitting a low of about 368,000 in 2022, down from about 1.5 million in 2010.

That number has climbed steadily since 2022.

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A 2005 law called the Bankruptcy Abuse Prevention and Consumer Protection Act sparked the earlier decline. Its goal was to make declaring bankruptcy harder and more expensive. Many creditors pushed for these changes because they felt some individuals were abusing the system.

The changes introduced income limits for eligibility to declare Chapter 7 bankruptcy. It also required people to get credit counseling before filing to see whether there was any way they could avoid bankruptcy. It also added a new obligation: Americans now take a course in financial management after they file for bankruptcy to reduce the chance of future money troubles.

One interesting study regarding the legislation’s impact found that it lowered credit card interest rates, but it also prevented some people without health insurance from wiping out their medical debts.

The 2005 changes caused the number of personal bankruptcies to plunge. That ended with the Great Recession, which lasted from late 2007 until mid-2009.

This economic downturn pushed up the number of bankruptcies dramatically. But then the number fell from 2010 until 2022, as the Great Recession’s impact gradually receded. The decline continued into the early 2020s because the stimulus checks and more generous unemployment insurance payments the government provided at the height of the COVID-19 pandemic helped keep millions of U.S. consumers afloat.

The numbers began to rise again in 2022 as American consumers began facing increasing stress from income that has not kept pace with inflation and a sharp jump in credit card interest rates.

Lasting changes

Bankruptcy stays on your credit report for up to 10 years. After that, creditors are supposed to treat people who filed for it like anyone else. A study I worked on with law professor Lois Lupica tracked what happened over two decades to both people who had and had not declared bankruptcy. We wanted to see whether those who had filed for bankruptcy really got out of their financial hole.

Our findings were a good news, bad news story. The good news was that bankruptcy was not causing permanent financial stigma. The average person who declared bankruptcy eventually caught up financially with their peers who hadn’t.

The bad news was that it took 15-25 years to recover in almost all financial dimensions. This is longer than those 10 years that the bankruptcy filing stays on your credit report.

In short, we determined that bankruptcy does give people a fresh start, but getting that reprieve takes longer than the law’s intent.

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Strategies that can stave off bankruptcy

My wife and I avoided bankruptcy primarily by doing two things.

First, we switched to using cash for most of our day-to-day purchases. When our wallets were empty, we were done spending. I talk more about this in my 2025 book “The Power of Cash.”

Second, we contacted the financial company where we owed our biggest monthly payment. After providing proof of financial hardship, they were surprisingly flexible.

If these two steps are not enough for you, the next step is to consult an attorney who specializes in bankruptcy law. While there are lots of things most people can competently do on their own, filing for bankruptcy is not one of them.

Jay L. Zagorsky, Associate Professor of Business, Boston University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

See What’s Happening Now!

Laura Yares, Michigan State University and Sharon Avni, Borough of Manhattan Community College, CUNY

“Emma,” a young Jewish woman who we met in 2019, didn’t belong to a synagogue. She didn’t have a Jewish partner. She didn’t observe Jewish rituals regularly. On most surveys about religion, she would not seem very engaged with Judaism.

But as Emma talked about what she did in her free time, a very different picture began to emerge. She visited Jewish websites and enjoyed listening to Jewish music. She read books about Jewish topics and had recently attended a retreat for young Jewish adults to learn Torah while also doing yoga.

She was highly invested in learning about Judaism, but she explored her identity without joining traditional institutions.

Most major surveys about religion ask whether someone belongs to a congregation, how often they attend services, whether they pray regularly and whether belief is important in their lives. Those measures help identify broad shifts, like the growing percentage of Americans who are religiously unaffiliated: the “nones.”

But many Americans’ religious lives, like Emma’s, are not disappearing; they are moving away from membership of traditional institutions. To understand what religion looks like in 21st-century America, researchers may need to ask different questions.

Learning through art

As scholars of Judaism and education, we have been exploring how people learn about religion beyond traditional places like synagogues, Jewish schools and summer camps. Between 2019 and early 2023, we spoke with hundreds of people and explored different leisure time activities to discover what people learn about Judaism and Jewishness through cultural arts.

We interviewed dozens of audience members at Jewish-themed shows on Broadway, such as “Leopoldstadt” and “Parade.” We attended Jewish concerts and asked attendees what they learned. We explored how social media communities offer spaces to talk about different Jewish topics, like what fans learned about ultra-Orthodox Judaism from watching the television show “Shtisel.”

Our research revealed that there is a vibrant ecosystem of people learning about religion in their leisure time. Through the arts, both Jews and non-Jews encounter Jewish history, Jewish religious practices and representations of Jewish communities.

Screen and stage

Most people we spoke with told us that they felt meaningful connections to Judaism during activities that would rarely appear on a standard religion survey.

“Joan,” an unmarried woman in her 50s from Connecticut, told us that she was deeply invested in Judaism, but felt that synagogues and Jewish community centers were not welcoming to single people without families. Instead of joining a Jewish institution, she watched Jewish-themed TV shows and movies on Netflix, and joined social media communities to chat with other fans.

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“Luis,” who lived in Boston but was born in Argentina, was a Sephardic Jew, a group that traces their ancestry and traditions to Jewish communities who once lived in Spain and Portugal. His wife was Ashkenazi, meaning her ancestors came from Central and Eastern Europe. She considered herself secular, and so the couple joined the Worker’s Circle, a nonreligious Ashkenazi institution rather than a synagogue.

Yet Luis loved deepening his knowledge of Sephardic culture, and he often attended concerts of music in Ladino, a Sephardic language related to Spanish, with other Sephardic immigrants.

For Joan and Luis, these activities were not peripheral to their Jewish lives. Rather, they were central avenues for learning and community. We interviewed hundreds of Jews who told us that cultural experiences were opportunities to reflect on Jewish practices, explore questions of belonging, connect with family histories and find friends with common interests.

New questions

Some aspects of these patterns were distinctive to Judaism. Historically, many Jews have understood Judaism to be a cultural world, and not only a theological tradition. Learning about cultural dimensions of Judaism has long been part of Jewish education.

The broader phenomenon of informal learning, though, extended far beyond a single tradition. Across America, increasing numbers of people learn about religion through media, cultural productions and digital networks. Christians may study biblical themes through podcasts, online discussion groups or religious influencers. Muslims may participate in online learning communities that connect believers across the world.

The challenge for religion researchers, then, is not simply to determine whether engagement with religion is rising or falling. Rather, it is to develop more nuanced ways of understanding how people explore religious themes and practices, beyond traditional institutions. Only then can we more fully understand how contemporary Americans actually live their religious lives.

Laura Yares, Assistant Professor of Religious Studies, Michigan State University and Sharon Avni, Professor of Academic Literacy and Linguistics, Borough of Manhattan Community College, CUNY

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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