The government could easily slow the pace of tax -
credit cuts and still meet its deficit target, tax and welfare experts told MPs
on Monday, as
research showed that two - thirds of the recipients of working tax
credits would be
worse off by 2020.
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This disparity is rooted in structural, race - based disadvantages, including, according to Marshall Steinbaum's
research, «segregation within higher education, which relegates minority students to the
worst - performing institutions, discrimination in both
credit and labor markets, and the underlying racial wealth gap that means black and Hispanic students have a much smaller cushion of family wealth to fall back
on, both to finance higher education in the first place and also should any difficulty with debt repayment arise.»