[ii] See Sara Goldrick - Rab, Robert Kelchen, and Jason Houle (2014), «The Color of
Student Debt:
Implications of
Federal Loan Program Reforms
for Black
Students and Historically Black Colleges and Universities,» Wisconsin Hope Lab Discussion Paper, Madison, WI; Mark Huelsman (2015), «The Debt Divide: The Racial and Class Bias Behind the «New Normal» of
Student Borrowing,» Washington, DC: Demos.