Black-White Disparity in Student Loan Debt More Than Triples After Graduation
Black-White Disparity in Student Loan Debt More Than Triples After Graduation
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毕业后学生贷款债务的黑白差异超过三倍
DOI：
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发表时间：
2016
期刊：
影响因子：
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通讯作者：
Jing Li
中科院分区：
文献类型：
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作者：
Judith E. Scott;Jing Li
在获得学士学位的那一刻，黑人大学毕业生平均比白人同龄人多欠7400美元(23400美元比16000美元，包括平均水平上的非借款人)。但在接下来的几年里，黑人和白人的债务差距增加了两倍多，达到惊人的2.5万美元。利息和研究生院借款的差异导致黑人毕业生在毕业四年后背负着近5.3万美元的学生贷款债务--几乎是白人毕业生的两倍。虽然以前的工作记录了学生借款、违约和违约方面的种族差异，但在这份报告中，我们提供了新的证据，表明总债务中的种族差距远远大于最近的报告所认识到的，现在比过去大得多，而且与经济和营利性部门令人不安的趋势有关。最后，我们讨论了政策含义。毕业后学生贷款债务的黑人和白人差距增加了两倍多
The moment they earn their bachelor’s degrees, black college graduates owe $7,400 more on average than their white peers ($23,400 versus $16,000, including non-borrowers in the averages). But over the next few years, the black-white debt gap more than triples to a whopping $25,000. Differences in interest accrual and graduate school borrowing lead to black graduates holding nearly $53,000 in student loan debt four years after graduation—almost twice as much as their white counterparts. While previous work has documented racial disparities in student borrowing, delinquencies, and defaults, in this report we provide new evidence that racial gaps in total debt are far larger than even recent reports have recognized, far larger now than in the past, and correlated with troubling trends in the economy and in the for-profit sector. We conclude with a discussion of policy implications. Black-white disparity in student loan debt more than triples after graduation