A bill proposed by Sen. Sam Brownback (R-Kan.) would allow low-income singles and engaged and married District couples to set up pre-marriage and marriage development accounts that would match $3 for every $1 invested to use toward buying a home, a child's college education or business start-up. Credit counseling and debt management counseling would also be available. The program's guidelines:


* Must be between 16 and 22 and remain unmarried and childless

* Must have adjusted gross income of $25,000 or less for a non-dependent individual, $50,000 or less for a dependent individual

* Can invest for up to four years

* Must receive life-skills training and work with a mentor to set goals for education, job training and building assets

* Limited to $4,500 in matching funds


* Must be married or at least 18 if engaged

* Must have combined adjusted gross income of $50,000 or less and total net worth must be $10,000 or less, excluding a house or car

* Can invest for up to three years

* Couples who attend at least four premarital and marital counseling classes would receive a $300 bonus

* Engaged couples must marry before withdrawing from their account; upon marriage, the couple would receive a $200 bonus toward marriage license fees

* Limited to $9,000 in matching funds

Source: Senate Appropriations subcommittee on the District of Columbia