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Jim Crow Debt: How Black Borrowers Experience Student Loans

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Title: Jim Crow Debt: How Black Borrowers Experience Student Loans
Language: English
Authors: Mustaffa, Jalil B., Davis, Jonathan C. W., Education Trust
Source: Education Trust. 2021.
Availability: Education Trust. 1250 H Street NW Suite 700, Washington, DC 20005. Tel: 202-293-1217; Fax: 202-293-2605; Web site: https://edtrust.org/
Peer Reviewed: N
Page Count: 22
Publication Date: 2021
Sponsoring Agency: TIAA Institute
Document Type: Reports - Research
Education Level: Higher Education
Postsecondary Education
Descriptors: Student Loan Programs, African American Students, Debt (Financial), Racial Discrimination, College Students, Outcomes of Education, Income Contingent Loans, Financial Problems, Credit (Finance)
Abstract: Student debt has been a crisis for years, and the pandemic has only exacerbated matters for many borrowers. This is especially true for Black borrowers, who are among those most negatively affected by student loans -- due, in large part, to systemic racism, the inequitable distribution of wealth in this country, a stratified labor market, and rising college costs. And whether by willful intent or gross negligence, many of those engaged in this policy debate overlook the compounding effect of racism and how it specifically impacts Black borrowers. Put simply, student debt is a racial and economic justice issue, and any proposed solution to the student debt crisis must center the perspectives, lived realities, and voices of Black borrowers, rather than solely use their data to frame the problem. That is why in 2020, the National Black Student Loan Debt Study was launched. This study is based on a nationwide survey of nearly 1,300 Black borrowers and in-depth interviews with 100 Black borrowers across various life points. Rather than reporting student loan outcomes, the study focuses on borrowers' perspectives and life experiences with student loans.
Abstractor: ERIC
Entry Date: 2022
Accession Number: ED617539
Database: ERIC
FullText Text:
  Availability: 0
CustomLinks:
  – Url: https://eric.ed.gov/contentdelivery/servlet/ERICServlet?accno=ED617539
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  Data: Jim Crow Debt: How Black Borrowers Experience Student Loans
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  Data: Education Trust. 1250 H Street NW Suite 700, Washington, DC 20005. Tel: 202-293-1217; Fax: 202-293-2605; Web site: https://edtrust.org/
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  Data: Student debt has been a crisis for years, and the pandemic has only exacerbated matters for many borrowers. This is especially true for Black borrowers, who are among those most negatively affected by student loans -- due, in large part, to systemic racism, the inequitable distribution of wealth in this country, a stratified labor market, and rising college costs. And whether by willful intent or gross negligence, many of those engaged in this policy debate overlook the compounding effect of racism and how it specifically impacts Black borrowers. Put simply, student debt is a racial and economic justice issue, and any proposed solution to the student debt crisis must center the perspectives, lived realities, and voices of Black borrowers, rather than solely use their data to frame the problem. That is why in 2020, the National Black Student Loan Debt Study was launched. This study is based on a nationwide survey of nearly 1,300 Black borrowers and in-depth interviews with 100 Black borrowers across various life points. Rather than reporting student loan outcomes, the study focuses on borrowers' perspectives and life experiences with student loans.
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RecordInfo BibRecord:
  BibEntity:
    Languages:
      – Text: English
    PhysicalDescription:
      Pagination:
        PageCount: 22
    Subjects:
      – SubjectFull: Student Loan Programs
        Type: general
      – SubjectFull: African American Students
        Type: general
      – SubjectFull: Debt (Financial)
        Type: general
      – SubjectFull: Racial Discrimination
        Type: general
      – SubjectFull: College Students
        Type: general
      – SubjectFull: Outcomes of Education
        Type: general
      – SubjectFull: Income Contingent Loans
        Type: general
      – SubjectFull: Financial Problems
        Type: general
      – SubjectFull: Credit (Finance)
        Type: general
    Titles:
      – TitleFull: Jim Crow Debt: How Black Borrowers Experience Student Loans
        Type: main
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            NameFull: Mustaffa, Jalil B.
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            NameFull: Davis, Jonathan C. W.
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              Type: published
              Y: 2021
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