OP-ED: Student Loan Debt is a Crisis

OP-ED: Student Loan Debt is a Crisis

By Harry L. Williams

There has been a lot of talk about whether or not there is a crisis on the border. I will leave that debate to the politicians. However, there is no debate about whether or not America has a crisis hitting all 50 states and over 40 million people. This crisis is impacting millions of students pursuing their dreams of earning a college degree. The crisis is impacting millions of young people coming out of college, wanting to be fiscally responsible and save, and buy their first home. What is the crisis? It is America’s $1.56 trillion student loan  debt.

Today, student loan debt is the second greatest source of individual debt, only behind mortgages, according to the Federal Reserve. Something must be done about the ever-rising student debt, and the Thurgood Marshall College Fund (TMCF) is taking the issue of financial literacy with HBCU students head-on. Exposing the nearly 300,000 students we represent to the host of scholarship offerings is one of our main strategies for decreasing student loan dependence. TMCF understands that student loans disproportionately impact minority students – with the greatest negative impact on African-American students. We have to put just as much early attention on student loan debt by providing student scholarships, grants and wraparound services, so HBCU students can persist in their studies without dropping out because of finances. The more scholarships we can award, the fewer loans students are forced to take, so they graduate without the strain of insurmountable student loan debt.

As the wealth gap continues to grow we know that by 2053, the Net Worth of African-American families is projected to hit $0, so there is a clear urgency to educate and support organizations that have direct connections to young African American students that will be entering the workforce. TMCF is committed to empowering students attending HBCUs on how to secure and keep a good paying job and build a career into the C-Suite, or become entrepreneurs, save money and build wealth for the future in the hopes of being great global leaders that give back to future generations.

Additionally, we are teaching HBCU students to be better college consumers, moving career-focused programming to  Freshmen and Sophomores, so they can choose college course strategically, in order to graduate in four years, while entering the talent pipeline earlier.

More than 80% of all HBCU students attend TMCF member-schools and 97% of those students rely on financial aid in their pursuit of a degree. Through our partnerships with many companies such as Wells Fargo, Boeing, Ally, and Apple we are providing scholarships, internships, corporate immersions, and innovation programs as well as good paying jobs.

For example, over the course of our partnership with Wells Fargo, they have provided more than $7.2 million in support of TMCF student scholarships and financial literacy curriculum development and announced a $1.1 million for the 2019-2020 academic year. In 2018, TMCF provided close to $10 million in direct aid for student scholarships, stipends, awards, wrap-around services, and institutional grants. Those are real dollars and for the majority of the students we serve, the dollars are transformational. This is important because according to a LendEDU study nearly three in 10 college students in America are solely responsible for paying for all of their higher education costs.

Finances should never be a barrier to graduation, nor should the financial impact of earning a college degree be a barrier for buying a home, saving money, starting a family, and having a good credit score. TMCF prides itself on building pipelines into good paying jobs but we also have to work to ensure that those students are able to truly reap the financial benefits of their achievements without having to pay off years of student loan debt.

Yes, the student loan situation is a crisis that must be addressed early and often with students, parents, family members, and guidance counselors. We need to make this an issue on the campaign trail on both sides of the aisle in every election, not just the 2020 presidential one. Roll Call recently reported that there are 66 members of Congress who are currently paying off their own personal student loans or debts for dependents. “Collectively, the 44 Democrats and 24 Republicans have higher education liabilities of $2.5 million, according to recent financial disclosures. The median student loan debt is $15,000, while average debt is $37,000.”

This is not a partisan issue and we will continue advocating for bipartisan solutions and effective student financial aid literacy opportunities especially for the Black College Community because we know they work. The student loan debt crisis can be corrected if we all work together to make sure our future innovators, government and corporate leaders can lead without the crippling burden of student loans. The time is now.

This article originally appeared in The Westside Gazette

OP-ED: Black Studies becomes major factor in social advancement

OP-ED: Black Studies becomes major factor in social advancement

By Merdies Hayes, Editor, Our Weekly News

The Black Power movement of the late 1960s helped to redefine African American identity and establish a new racial consciousness. As influential as this period was in the study and enhancement of the African Diaspora, this movement spawned the academic discipline known as Black Studies on our college and university campuses.

While there are more than 100 Black Studies degree programs nationwide, it can be confirmed that the beginning of this curriculum evolved from a student strike at San Francisco State University in 1968. Young people there forced the establishment of the Division of Ethnic Studies and departments of Black, Asian, Chicano and Native studies, all accomplished despite the discouragement of then university president and future United States Sen. S.I. Hayakawya.

The Black Student Union

The Black Student Union on campus drafted a political statement, “The Justification for African American Studies,” that would become the main document for the development of the academic departments at more than 60 universities by the early 1970s. Shortly thereafter, Black Studies programs were implemented with inherent reservations from the various campus administrations at UCLA, Cal State Los Angeles, Cal State Long Beach and at Cal State Northridge.

Black students demanded an end to the so-called “liberal-fascist” ideology that was rampant on campus, as well as calling for the immediate preparation of African American youth including secondary school students to have direct participation in the struggles of the Black community and to define themselves as responsible to and for the future successes of that community. Black Studies departments were created in a confrontational environment in a forceful rejection of traditional curricula content.

It was a novel idea that was met with early opposition from the entrenched White faculty and administration already reeling from the Free Speech movement, opposition to the Vietnam War and a general uprising from young adults of all races, religions and creeds. Black students, specifically, wanted to reinforce the position that African Americans must possess the rights to self-determination, liberation and voice opposition to the dominant ideology of “White capitalism” (e.g. world imperialism, White supremacy) that for centuries had excluded persons of color.

The Atlanta University Conferences

Black Studies can be traced back as far back as the Atlanta University Conferences held from 1898 to 1914. This early formulation was under the auspices of W.E.B. DuBois in marking the inauguration of the first scientific study of the conditions of Black people that covered important aspects of life (e.g., health homes, the question of organization, economic development, higher education, voting).

By 1915, Carter G. Woodson had founded the Association for the Study of Negro Life and History (ASNLH) in marking a brave new era for Black curriculum. The group was founded to promote historical research, publish books on Black life and history, promote the study of Black history through clubs and schools and, in a noble effort, to foster harmony between the races by interpreting one history to the other. It was during this period that the Historically Black Colleges and Universities (HCBUs) began to respond to scholarly activities in history and social science.

It had become abundantly clear more than 100 years ago that Black education should conform to the social conditions of Black people. Black colleges began to add courses in Black history to their curricula. This effort corresponded with a call by Black college students for a culturally relevant curriculum, the same theme that occurred some 50 years later when mainstream support for Black Studies grew, particularly when more African American students were admitted into predominantly White institutions.

For the past 50 years, Black Studies has been evolving as a result of the social movement that opposed institutional racism in higher education. As more Black families were moving into the middle class, young people in many sectors either saw education as oppressive or liberating. Many African Americans began to consider Black Studies and Black education as having a “special assignment” to challenge and call out White mainstream knowledge for its deficiencies and racial corruption.

Pan Africa movement

Black Studies in large part grew out of Pan Africanism, which had its origins as a movement of intellectual protest against ill-treatment of Blacks all over the world. This movement was initiated by Black persons in the America and in the West Indies whose ancestors came from Africa. There are similarities between Black Studies and Pan Africanism in that the latter movement was created because Black people all over the world were tired of being mired with the “slave mentality” that had been connected with them from their African ancestors.

The advent of Pan Africanism was the result of Black people deciding that they were better than how they were treated, and if they banded together in a practical standpoint, they could possibly change the world. Far more than an “en vogue” application of the Civil Rights Movement, Pan Africanism and the resulting Black Studies was an emotional, cultural, psychological and ideological movement that would allow African Americans to feel secure while striving for long-sought political, economic and psychological power vis a vis other races or world regions.

At its origin, Black Studies offered a clear and precise application of the African American experience, because many of the traditional history books for decades presented Black people as a hapless, helpless lot always mired in despair. It was only then that African Americans would study in detail persons like Anthony Johnson one of the original 20 Africans who arrived in Jamestown in 1619 and would later become a successful entrepreneur, or Denmark Vessey, who fought to liberate his people from slavery by organizing 9,000 slaves and freemen to revolt in Charleston, S.C. In 1822. there was also Dr. Rebecca Lee Crumpler who in 1864 became the first Black woman to earn a medical degree. This area of study helped to forge a pathway for each succeeding generation to learn that African Americans have always been innovators, fighters and intelligent persons well capable of succeeding in any endeavor.

Development of Black scholars

Black Studies is not exclusively reserved for Black scholars. There are a number of scholars from a variety of backgrounds who have done important work looking at the Black Diaspora. From the African American point of view, however, a primary reason for the implementation of Black Studies was to develop a critical mass of Black scholars. The significant presence today of African American academicians is due in large part to the existence of a longstanding tradition within Black Studies that offers a route into academia for an untold number of Black scholars.

The subject of Black Studies is interdisciplinary in nature. The subject draws in academics from a range of disciplines, including history, literature, education studies, sociology, theology, health studies, and some subjects as unexpected as sexuality and criminology. A strong tenant within Black Studies is the exposure to a range of ideas and discussions that can forge meaningful connections that can be built on the future. Had it not been for the Black Studies agenda, there are historic figures and contemporary individuals who may have never been encountered and whose work was and is relevant to contemporary dynamics within the Black community.

Women’s studies, as well, are an important aspect of Black Studies. In “Out Of The Revolution: The Development of Africana Studies” (2000), authors Delores P. Aldridge and Carlene Young attest that while the emergence of Black feminism was an offshoot of White feminism, the two groups are far apart in terms of battling sexism and striving for equality in a White-male-dominated world.

“During American slavery, Africana women were as harshly treated physically and mentally as were their male counterparts, thereby invalidating the alignment of Africana women and White women as equals in the struggle. The endless chores of the Africana woman awaited her both in and outside the home. Africana men and women have been equal partners in the struggle against oppression from early on. Thus, they could not afford division based on sex. In the African American slave experience, Africana men and women were viewed the same by the slave owners, thereby negating traditional (African and European) notions of male or female roles.”

Valuable study for both genders

Such study has proved valuable to African American students of both genders. Aldridge and Young state that Black Studies has empowered the Black student in noting that this academic challenge was a direct response to the mandate for change at all levels that characterized the Civil Rights Movement and the social rebellions of the 1930s, ’40s and ’50s.

At the modern HCBU campuses, most have established courses in Black Studies, but few have departments dedicated to the field. Only Howard and Clark Atlanta universities offer a Master of Arts in Black Studies. Howard is the only HBCU to offer a doctoral program in African Studies; eight traditionally White institutions (including Princeton and Yale) also offer a Ph. D in African Studies.

Why don’t more HBCUs offer a diploma in Black Studies? The problem is money.

“A program in African American Studies is very difficult to sustain in good times, and it’s near impossible in tough times,” said Dr. Johnny Taylor, president and CEO of the Thurgood Marshall College Fund. “However, some of the majority institutions have been able to get someone to underwrite less popular programs.”

The University of Wisconsin-Madison offers bachelor’s, master’s, and doctoral degrees in Black Studies, much to the disappointment of Dr. Mayibuye Monanabela who is among the founders of the Africana Studies department at Tennessee State University. He said getting students to major in Black Studies is often difficult primarily because, outside of teaching, there are not many well-paying trades that would require such professional acumen.

“We (HBCUs) should be doing better,” Monanabela said. “When students are ready to sign-up for a major, they ask ‘What can I do with a degree in Africana Studies?’“

Dr. David H. Jackson Jr., chair of the department of history and political science (which includes Black Studies) at Florida A&M University, believes the current attitude toward Black Studies among African American students could be an obstacle in the field’s development.

“If I looked at FAMU and the country in general from the 1980s and early ’90s in terms of an aggressive attitude toward embracing Black culture, I don’t see that as much now,” he said. As well, some Black students at predominantly White institutions may have the assumption that students at an HBCU tend to be “Africa-centered” or “radical,” and that belief could contribute to an apathy about the subject, which is in direct contrast with the roots of Black Studies programs.

Looking toward the future

HCBUs faced internal challenges in developing these programs as an older generation of administrators may have been reluctant to establish such a curriculum, because of the association with “militancy” and for fear of losing support from outside communities. Also, some HBCUs felt that because they were Black institutions, they were not obligated to dedicate a department to the subject because “just being a Black school was sufficient.”

At Princeton, Black Studies has proven to be a popular and successful program. Dr. Eddie Glaude Jr., chair of the Center for African American Studies at the New Jersey campus, believes the burgeoning interest in Black Studies may provide ground for a degree program.

“I think we’re seeing a new phase in the presence of Black Studies in higher education,” Glaude said. “We need to find an institutional configuration that reflects the complexity and nuance of the field. We haven’t changed our name to ‘Diaspora studies,’ and we have insisted that in order to mark that, as a field, Black Studies should be thought of more broadly.”

People of African ancestry have a long history and tradition in practically every region of the world. This history has been hallmarked by a number of struggles for recognition and against discrimination. In the present context of global uncertainty and the political reshaping of nation states Black Studies can play an essential role in the examination of the world’s Black population and the challenges that lie ahead.

This article originally appeared in Our Weekly News. 

OPINION: The HBCU Community Needs Bipartisan Support

OPINION: The HBCU Community Needs Bipartisan Support

By Dr. Harry L. Williams, (President and CEO, Thurgood Marshall College Fund)

Dr. Harry L. Williams, the president and CEO of TMCF, says that engagement with Republicans and the Trump Administration is working for the HBCU community.

Dr. Harry L. Williams, the president and CEO of TMCF, says that engagement with Republicans and the Trump Administration is working for the HBCU community.

A few months ago, the Thurgood Marshall College Fund (TMCF) was proud to welcome the presidents and chancellors from 30 Historically Black Colleges and Universities (HBCUs) and Predominantly Black Institutions (PBIs) to Washington, D.C. for the second annual HBCU Fly-In held in conjunction with the leadership of Senator Tim Scott (R-S.C.) and Representative Mark Walker (R-N.C.), who are both members of the very important, bipartisan HBCU Caucus.

My experience as a former HBCU president and now leader of TMCF, working on behalf of our 47 publicly-supported HBCUs, gives me a broad perspective on the federal government’s partnership with HBCUs, as delivered through this event’s multiple listening sessions and direct engagement opportunities with members of Congress and senior leadership within the Trump Administration.

Thanks to the commitment of dozens of our HBCU presidents and chancellors who attended our inaugural convening and this year’s fly-in, we’re beginning to see major developments from several federal agencies looking to increase support for HBCUs and to create more opportunities for our scholars.

Thanks to our collective advocacy, several HBCUs that were devastated by Hurricane Katrina in 2005 received total forgiveness of outstanding loans awarded for the restoration of their campuses in the hurricane’s aftermath. Southern University at New Orleans, Dillard University, Xavier University, and Tougaloo College are free of their repayment obligations on more than $300 million in federal loans, because of direct engagement with and action from this administration and congressional leadership on issues of critical importance to our HBCU’s, like this one.

Perhaps the most significant indicator of our growing partnership has been the achievement of level funding in the President’s FY’ 2019 budget proposal and within the recent Omnibus Appropriations Bills. For example, the FY’ 2018 Omnibus Appropriations bill had major wins for HBCUs:

Pell Grant Maximum Award

  • FY’17 Funding Level: $5,920 (per student)
  • FY’18 Funding Level: $6,095 (+$175/increase of 2.96 percent)

Title III, Part B and F, Strengthening HBCUs Undergraduate Programs

  • FY’17 Funding Level: $244.6 million
  • FY’18 Funding Level: $279.6 million (+$34 million/increase of 14.3 percent)

Title III, Part B, Strengthening HBCUs Graduate Programs

  • FY’17 Funding Level: $63.2 million
  • FY’18 Funding Level: $72.3 million (+$9 million/increase of 14.3 percent)

Title III, Part A, Strengthening PBI Program

  • FY’17 Funding Level: $9.9 million
  • FY’18 Funding Level: $11.3 million (+$1.4 million/increase of 14.3 percent)

Title VII, Master’s Degree Program at HBCUs and PBIs

  • FY’17 Funding Level: $7.5 million
  • FY’18 Funding Level: $8.5million (+$1 million/increase of 14.3 percent)

We are cognizant that many lawmakers in the majority in Congress favor fiscal austerity to address budgetary issues, but in a legislative environment dominated by talks of budget cuts, critical HBCU funding lines were increased, which is a demonstrable return on our collective investment in bipartisan engagement.

Indeed, TMCF’s decision not to resist, but instead engage in a strategic way and bipartisan fashion on behalf of our nearly 300,000 HBCU students who need a voice in Congress and with the Trump Administration has borne fruit at many levels. I am optimistic that many of our presidents and chancellors departed the nation’s capital with a clearer sense of the propriety of this strategy given our mutual goals, and now having the benefit to witness the rewards of this advocacy effort. TMCF will not stop engaging with all of our federal partners, because bipartisan advocacy with the Congress and engagement with the Trump Administration is paying dividends for our nation’s HBCUs.

Dr. Harry L. Williams is the president & CEO of Thurgood Marshall College Fund (TMCF), the largest organization exclusively representing the Black College Community. Prior to joining TMCF, he spent eight years as president of Delaware State University. Follow him on Twitter at @DrHLWilliams.