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A 2016 article in the  Nation  outlined that in the United States the average Black family would need 228 years to build comparable wealth to the average white family. Today, achieving the dream of higher education has posed many threats to the Hispanic and African American communities.  In order to achieve the dream, many minority students receive student loans to fund their higher education pursuits with hopes that future employment will afford repayment. However, most do not realize the risks. Student loan debt is a severe and mounting problem in the United States. In the United States, seven million student loan borrowers are now in default. Forty-five percent of college students obtain some sort of credit card debt. Lack of knowledge on financial literacy and student loan debt management is a serious issue. This article presents findings that support making financial literacy courses mandatory for college students just like Mathematics and English courses, especially at minority-serving colleges and universities.

Financial Management Education Courses as Social Societal Learning Tools at Minority-Serving Colleges and Universities