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This book traces how the student loan system has created insurmountable student debt traps for millions of student borrowers contrary to its original purpose of promoting social mobility. Today, approximately 45 million Americans hold over $1.7 trillion in student loan debt, with over 20% of borrowers in default. Student loan debt has the greatest negative impact of wealth-poor students, with Black and first-generation students less likely to attain a college degree, more likely to default on student loan debt, and less likely to gain the same type of wage premium from their college...

In the study of multicultural education, there are key names, places, concepts, and legal actions which provide a foundation for the field. This reference includes more than 400 entries from a broad range of topics related to multicultural education, which the authors define as education geared toward reducing bias, ensuring equity, and promoting understanding of the self and others. Each item in the encyclopedia has been chosen for its value in illuminating one or more particular concerns in the field. Each entry not only helps to identify and place in an historical perspective a concept,...