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03967aam a2200421 i 4500 001 81ADE470DDAE11EDB031D5162DECA4DB 003 SILO 005 20230418010100 008 220810t20222022maua b 001 0 eng d 020 $a 9781682537565 020 $a 1682537560 035 $a (OCoLC)1340031948 040 $a YDX $b eng $c YDX $d UKMGB $d OCLCF $d NJM $d BDX $d OKX $d TXI $d NUI $d IaU $d SILO 050 4 $a LB2340.2 $b .H685 2022 082 04 $a 378.36208996073 $2 23 100 1 $a Houle, Jason N., $e author. 245 12 $a A dream defaulted : $b the student loan crisis among black borrowers / $c Jason N. Houle, Fenaba R. Addo ; foreword by Ayanna Pressley. 264 1 $a Cambridge, MA : $b Harvard Education Press, $c [2022] 300 $a viii, 193 pages : $b illustrations ; $c 23 cm 520 $a "A Dream Defaulted explores how the student loan crisis disproportionately affects Black borrowers and why rising student debt is both a cause and consequence of social inequality in the United States. Jason N. Houle and Fenaba R. Addo offer a deft analysis of the growing financial crisis in education, examining its sources and its impacts. Based on more than five years of ongoing qualitative and quantitative research, this incisive work illustrates how the student loan system has not benefited all students equally. The authors tell the story of how first-generation college students, low-income students, and students of color are disadvantaged in two opposing phases of the process: debt accumulation and debt repayment. They further demonstrate that policies intended to mitigate financial burden and prevent default have failed to assist the people who most need help. Houle and Addo present these social and racial disparities within a broader context, tracing how centuries of institutionalized racism have contributed to social and economic inequities, perpetuating the racial wealth gap and leading to intergenerational inequality. Through interviews with borrowers, they illuminate the ways in which racial disparities affect who has college access, how and why people take on debt, and who has the ability to repay student loan debt after leaving college. Recognizing that the affordability crisis cannot be solved by higher education reform alone, Houle and Addo consider solutions. They argue that policy must extend beyond debt reduction and financial aid to address entrenched patterns of racial inequality and racial discrimination, both inside and outside institutions of higher education."--Publisher's description. 504 $a Includes bibliographical references (pages 157-179) and index. 505 0 $a Introduction: missing race in the student debt debate -- The racialization of student debt -- Off to college, into the red -- Progressing through college: no room for error -- Life after college: "it just seems like you're going to pay forever" -- The hidden costs of debt repayment -- Student debt and the reproduction of the (fragile) Black middle class -- Upstream and downstream solutions -- Afterword: the COVID-19 pandemic. 650 0 $a Student loans $z United States. 650 0 $a African American college students $x Economic conditions. 650 0 $a African American college students $x Finance, Personal. 650 0 $a Discrimination in higher education $x Economic aspects. 650 0 $a Discrimination in higher education $z United States. 650 0 $a Debt $z United States. 650 0 $a Discrimination in financial services $z United States. 650 7 $a Debt. $2 fast $0 (OCoLC)fst00888768 650 7 $a Discrimination in financial services. $2 fast $0 (OCoLC)fst00895075 650 7 $a Discrimination in higher education. $2 fast $0 (OCoLC)fst00895076 650 7 $a Student loans. $2 fast $0 (OCoLC)fst01431545 651 7 $a United States. $2 fast $0 (OCoLC)fst01204155 700 1 $a Addo, Fenaba R., $e author. 941 $a 1 952 $l OVUX522 $d 20231117025542.0 956 $a http://locator.silo.lib.ia.us/search.cgi?index_0=id&term_0=81ADE470DDAE11EDB031D5162DECA4DBInitiate Another SILO Locator Search