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Students trying to get into college. Analysts presented studies affecting black and hispanic students including access to Student Loans and the overall effectiveness of college ratings. This is two hours, 35 minutes. The paper i am going to talk about this morning is called the color of student debt is coauthored with robert and jason. This is about student debt. Remember that more than one out of two of them have taken out a loan in order to do so. That is a significant change in the history of this country and it means something. It means the College Opportunity and tales today. In particular, i think its notable that borrowing today is no longer a choice. If one wants to attend college today and particularly of one wants to intend attend college in a low, moderate, or middle income family, its absolutely a necessity now that one borrows and thats a major change over time. Total borrowing has grown by more than 10 in the last year alone and we are hearing numbers about trillions in t

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