We heard stories, but when you go through it, thats when you really say, Wow, says Williams, who moved to the United States in the 1980s from the Caribbean island of Antigua. Jenele Williams will be the first in her family to graduate from college in the U.S. But along with the second diploma shes on track to earn this spring as she finishes a joint bachelors and masters program in business administration, shell have tens of thousands of dollars in student debt. She and her mother, who took out parent loans, owe a combined total of about $93,000. The Williamses are one family in a community that bears a disproportionate and growing shareof the student debt burden: black Americans. Ninety percent of black students have had to take out student loans during their undergraduate years, compared with 68% of students overall, according to National Center for Education Statistics 2011-2012 data , the most recent available. The average cumulative loan amount among black students ages 18-24 in their fourth year of college or higher grew 157% in about two decades, from $12,100 in 1989-90, to $31,100 in 2011-12, according to a NerdWallet analysis of the data.
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