Ruby K. Payne is an American educator and author best known for her book A Framework for Understanding Poverty and her work on the culture of poverty and its relation to education. Payne received an undergraduate degree from Goshen College in 1972. She holds a Ph.D. in educational leadership and policy studies from Loyola University in Illinois, and is the founder of aha! Process, Inc., a company that informs schools, companies and other organizations about poverty.