Ayanna S. Pressley, Fenaba R. Addo, Jason N. Houle A Dream Defaulted: The Student Loan Crisis Among Black Borrowers 9781682537565

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Автор: Ayanna S. Pressley, Fenaba R. Addo, Jason N. Houle
Название: A Dream Defaulted: The Student Loan Crisis Among Black Borrowers
ISBN: 9781682537565
Издательство: Mare Nostrum (Eurospan)
Классификация:

Исследования азиатских и африканских этнических групп

Философия и теория образования

Финансирование образования и пособие студентам

Высшее и дополнительное образование

ISBN-10: 1682537560
Обложка/Формат: Paperback
Страницы: 208
Вес: 1.13 кг.
Дата издания: 30.11.2022
Язык: English
Размер: 226 x 151 x 13
Ключевые слова: Funding of education & student finance,Higher & further education, tertiary education,Philosophy & theory of education, EDUCATION / Educational Policy & Reform / General,EDUCATION / Finance,EDUCATION / Higher
Подзаголовок: The student loan crisis among black borrowers
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Поставляется из: Англии
Описание: 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.
Дополнительное описание: Higher education, tertiary education|Funding of education and student finance|Philosophy and theory of education

A Dream Defaulted: The Student Loan Crisis Among Black Borrowers, Ayanna S. Pressley, Fenaba R. Addo, Jason N. Houle