FRANKFORT, Ky. – A new survey of nearly 400 Kentuckians finds that student loans are the number one cause of financial hardship for respondents.

Other reasons for experiencing financial hardship include medical debt, rent, payday lending, credit cards and car payments.

Most of the survey participants were women, and 26 percent said they were survivors of domestic violence.

Andrea Miller, director of Economic Empowerment Programs for the Kentucky Coalition Against Domestic Violence, led the survey, conducted at mobile tax preparation sites in Morehead, Maysville and Somerset. She says women often stay in an abusive relationship for economic reasons.

"We have survivors who, if they are working, their partner takes their pay, gives them an allowance or just controls all the household finances,” Miller explains. “That might be even just a disability check. We might have a survivor that's on a disability benefit that the partner controls."

Each tax season, Miller and a team of volunteers set up free, pop-up tax preparation services across the state. This year, her team brought nearly $700,000 in federal tax refunds back to residents.

Miller points out tax season is a time to get organized and take advantage of any income tax credits for which individuals might be eligible.

Using tax refunds to pay bills or boost a savings account can set women on a path toward financial independence.

"I have one client – she went through our home ownership program – and she uses her tax refund every year to pay her mortgage up, which is great because she works an hourly job and she worries about not having enough hours to keep her mortgage payment up, so she pays herself ahead," Miller relates.

As part of its economic empowerment initiative, the Kentucky Coalition Against Domestic Violence works to help domestic violence survivors set up savings accounts for specific goals or to establish an emergency fund. Through the program, the coalition will match the account holder's savings.

The Me Too movement prompted sexual abuse victims to come forward with their allegations of rape and harassment. Yet, the increase in these occurrences both nationally and statewide show repeated incidents.

Sexual violence is a nonconsensual act, either through physical or verbal behavior.

The Indiana Coalition to End Sexual Assault and Human Trafficking is an advocacy, training and technical assistance resource for people who have faced sexual violence.

Coalition President and CEO Beth White explained the state's most vulnerable targets are often silent.

"We are worse for high school girls who experienced sexual violence while in high school, we are worse for the general population as well," said White. "So, when someone comes forward to report that this has happened to them, we always say a number of things that are important. Number one, we start by believing that people don't generally make false allegations about this problem."

An Indiana University report shows females in 9th-12th grades in Indiana schools have the second highest rate in the nation of forced sexual intercourse.

This month, the organization will open the state's sixteenth rape crisis center, Hope's Voice will serve Davies and Knox counties in southeastern Indiana.

The centers are commonly co-located with a domestic violence shelter, or another social service organization.

Researchers say sexual assault survivors should understand the perpetrator seeks to take away power and control - and most survivors do not file a police report or tell a friend, family member, or teacher out of embarrassment or shame.

White pointed out the coalition emphasizes the importance of regaining the control that has been taken away, and she works to encourage communities to talk about the issue and seek solutions, which are often multifaceted.

"Indiana has a problem," said White, "and we want people to know there is help, there is hope and there is healing that can occur when people do come forward if they feel that they can."

Centers for Disease Control and Prevention data show survivors are more prone to smoke, abuse alcohol and drugs and engage in risky sexual activity after their experience.

The assault can also impact a survivor's ability to work, attend school or maintain personal relationships.

As federal Victims of Crime Act funding continues to impact Kentucky's domestic violence shelters, advocates say they are applauding lawmakers decisions to include $6 million of the state budget's general fund for shelter and program operations, alongside a one-time allocation of $7.1 million to offset the impact of VOCA cuts.

ZeroV's CEO Angela Yannelli said the funding will ensure life-saving programs for people in crisis continue to serve those who rely on them - and who often have no where else to turn.

"We are extremely grateful to the General Assembly for listening to us," said Yannelli. "We've been talking about this since the interim session, about how VOCA has really impacted us."

According to the latest report from the National Network to End Domestic Violence, last year more than 1,000 adult and child survivors relied on Kentucky's emergency shelters and programs, that provide transitional housing, transportation, housing advocacy, legal support, therapy, and other supportive services.

Darlene Thomas, who is executive director of a Fayette County shelter, Greenhouse 17, said without continued funding, her organization would lose the ability to provide holistic wraparound services for survivors and their children.

"Housing, emergency financial assistance, help with getting back to employment," said Thomas, "we do all of the pieces to help people move from crisis to self sufficiency."

The state has also taken steps to protect survivors who want to exercise their right to vote.

A new program allows survivors of crimes, including intimate partner violence, sexual assault, and stalking, to hide their address on public records, including from voter rolls.

More information about the Safe at Home program is on the Kentucky Secretary of State's website.

April is Sexual Assault Awareness Month, and Ohio is expanding its qualified rape crisis centers serving rural areas in the central and southeastern regions of the state.

Taylr Ucker-Lauderman, chief engagement officer with the Ohio Alliance to End Sexual Violence, explained that qualified centers have to meet certain criteria, and typically provide crisis intervention, legal and medical assistance, counseling and referrals to other local resources. She said collaboration among centers to assist sexual abuse survivors and educate the public about violence prevention is critical.

"One really exciting outcome of 2023 is that we did see two additional rape crisis centers identified as qualified rape crisis centers, which means that they are supported by the Alliance," Ucker-Lauderman said.

One in four women and about one in 26 men have experienced completed or attempted rape, according to the CDC. If you or someone you know needs help, call the National Sexual Assault Hotline. It's available 24 hours a day, seven days a week, at 800-656-4673.

Ucker-Lauderman added survivors of sexual assault often need housing and other basic resources, noting these services are especially needed in geographically isolated areas, and are often unavailable if domestic violence isn't co-occurring. Rape crisis centers may be one of the few options sexual violence survivors have.

"That means increasing the capacity of the service providers across the state, making sure that they have the training that they need, the funding, the staff," she said.

Molly MacMath, executive director of COMPASS Rape Crisis Center in Northeastern Ohio, said while centers, hospitals and police departments play a critical role in preventing sexual violence, communities should be working to come up with creative ways to approach the issue.

"There's so many other entities within our communities that really play a role in the awareness and prevention of violence," MacMath said.

According to Ohio Alliance to End Sexual Violence's annual report, last year rape crisis centers across the state provided 556 nights of shelter through the Alliance's Meaningful Access Housing Program.