Margaret Clancy

CSD Policy Director,
Director of College Savings Initiative and SEED for Oklahoma Kids

MARGARET M. CLANCY, MSW, is the Policy Director and College Savings Initiative Director at CSD. Clancy is responsible for design and leadership of large-scale policy demonstrations, including the SEED for Oklahoma Kids (SEED OK) research experiment. Since 2001, she has been researching features of 529 college savings plans as a model for inclusive asset-based policy, and is an expert on progressive 529 policies in the states. She also led the Account Monitoring research project in SEED, a multi-year, national children and youth savings policy and research initiative, and for the American Dream Demonstration, the first national study of IDAs. Prior to joining CSD, Clancy administered corporate 401(k) and defined benefit pension plans for over 10 years, working as a Vice President of a large trust company. Clancy earned a BS in Business Administration from Southern Illinois University Edwardsville and an MSW at Washington University in St. Louis. She is also a Certified Employee Benefits Specialist.

All related work

CSD Publications


SEED for Oklahoma Kids (SEED OK)

Asset Building

The SEED OK experiment, which began in 2007, is a large-scale policy test of universal, automatic, and progressive Child Development Accounts. The CDA uses the Oklahoma 529 College Savings Plan platform.

College Success: Increasing Access through Inclusion in 529 Plans

Asset Building

CSD seeks to inform and put in place an inclusive 529 platform for educational savings to increase postsecondary degree success among lower-income children, youth, and non-traditional students.

Inclusion in 529 Savings Plans: Evidence from Maine

Asset Building

The first statewide Child Development Account (CDA) in the U.S., Maine’s Harold Alfond College Challenge, stands as a shining example of universal and progressive accounts at birth. We study the College Challenge and document this CDA’s evolution.

SEED National Initiative

Asset Building

We test asset-building accounts for children and youth to create an inclusive system of Child Development Accounts in 12 communities across the U.S. SEED included more than 1,200 low-income children and their families.

Israel: Asset Building Policy and Child Development Accounts

Global Asset Building

We work with the Israeli government to develop an asset-building policy of national Child Development Accounts. 

American Dream Policy Demonstration (ADD)

Asset Building

This is the first large-scale demonstration of Individual Development Accounts, with approximately 2,400 accounts opened at 13 sites across the country. 

Family Assets for Independence in Minnesota

Asset Building

In 1998, the Minnesota Legislature passed into law the Family Assets for Independence in Minnesota (FAIM) Pilot Project for IDAs. FAIM was the first statewide IDA program to be studied in this level of detail.

The United Way of Greater St. Louis Individual Development Account Pilot Program

Asset Building

Our project with the United Way of Greater St. Louis implemented an IDA Pilot Program to explore a way to build assets in low-income households and communities.