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The vision is seductive. Imagine turning eighteen and not starting from zero. Imagine a cushion — money that could pay for a semester of college, a used car, a small business, or the first month’s rent on an apartment. It’s the kind of financial head start millions have dreamed of but never had access to. It’s a chance, even if a small one, for kids born into struggle to step into adulthood with something more than thin hopes and thicker bills.
