Borrowed Futures: How the Student Debt System Is Built to Fail Borrowers of Color
The promise of higher education as a pathway to upward mobility has long anchored the American Dream — but for Black, Latino, and low-income students, that promise increasingly arrives wrapped in debt that accumulates across decades and generations. A closer examination of student loan architecture, predatory for-profit institutions, and the bureaucratic obstruction of forgiveness programs reveals a system that functions less like a ladder and more like a trap. Meaningful reform demands confront