Rent would be collected on the Octavia Hill plan, with its concomitant thrift clubs, mothers’, men’s, children’s, and home-improvement clubs, and these clubs would do for the tenants just what it does elsewhere for slum-dwellers of other races. They would, Mrs. Hammond believes, be built up in character, the houses would be saved from the usual degeneration of property rented to this economic class, a good return would be realized on the investment, and the children ultimately turned over to the community as self-respecting and law-abiding instead of furnishing, as is inevitable under present conditions, their full quota of paupers and criminals, to be carried by the taxpayers of the city. Three rooms would be reserved for the Negro worker, who would not only keep them as a model home, but would use them to train the girls in housework. This would leave seventy-nine three-roomed homes for rent, at six dollars each monthly, a yearly total of $5,688.00. This sum would pay the salary of the social worker, who is a necessity to the success of the plan, and yet yield 10 per cent gross on the investment, though two acres of the land and the settlement house, representing one-fifth of the sum invested would he unproductive from a commercial point of view. This is on the basis of an expense of $9,000 for land, $34,000 for forty double houses and $7,500 for the settlement house, a total investment of $50,500. Rentals from Negro property now yield a larger gross return than this, as do rentals from similar property elsewhere; but the houses deteriorate so rapidly from misuse that the landlord feels that only an extraordinary profit while they last can insure him against actual loss. A gross return of 10 per cent where the buildings suffered only the depreciation caused by rational use would be as attractive to the ordinary business man here as elsewhere. Mrs. Hammond’s scheme would be considered part of the educational system of Paine College. Good housing and good living as taught in the settlement and practically applied in the model housing plan would become a part of the school curriculum. The raising of the endowment fund is the present problem of Paine College. The peculiarity of this, as of all other Negro schools, is that the more students it has the poorer it is. Few of the pupils can pay the full amount asked of them, which is itself less than the actual cost of their board and tuition. Some work is furnished them--in kitchen, laundry and household for the girls, in grounds and garden for the boys--by which they partly pay their way. The plan is to have the income from the model housing endowment used to pay poor students for work done and so provide with an education many whom the college is forced now to turn away.