A study followed a cohort of Black graduates beginning in the 1995–96 school year

Student loan debt isn’t evenly distributed across age groups

Millennials and Gen X borrowers account for more than 70% of outstanding federal student debt ($1.1T). The discrepancy is driven by several factors, including a drop in college enrollment by younger Americans and older cohorts having more years to pay off balances.

Roughly 43 million US borrowers owe roughly $1.7T in student debt, the second-largest source of consumer debt behind mortgages.

See the growth of US consumer debt

Americans reached an all-time high debt burden in 2024. Data compiled from The Kaplan Group shows the evolution of auto loans, mortgages, credit card debt, and student loans from 2003 to 2023, and finds that after a brief decline after 2008, the total debt burden grew rapidly.

More than 3 million student loan borrowers were in default at the end of 2021

More than 3 million student loan borrowers were in default at the end of 2021. While default rates have declined since pandemic-era payment pauses, failing to pay off student debt can still have serious consequences, from a low credit score to the government withholding wages.

Around two in five students in any given academic year take out some form of student loans

Among the nearly two in five students who take out loans, 90% of those students rely on federal loan programs. These federal loans come in three flavors—subsidized, unsubsidized, and options for parents and graduate students. Each option has its own financial considerations; see an overview of each, along with what to consider when borrowing funds to cover higher education costs.

Roughly 37% of first-time US home buyers have student debt

When those people have extra money, they might wonder: Is it better to pay down my mortgage or my student loans first? This article argues that the answer depends on each loan's interest rate, among other factors.

Research shows that payday lending advertisements target minorities

A University of Houston Law Center study found that despite only making up 23% of payday loan recipients, Black people appear in 35% of advertisements. Similarly, 77% of the physical payday lending and auto title lending storefronts in the study targeted racial minorities.

Graduate/professional schools often cost more to attend than undergraduate schools

Grad and professional school cost more than undergraduate schools. Individuals with advanced degrees owe many times more than graduates with bachelor’s degrees. For example, the average student debt held by a PhD was around $125K in 2023, while those with undergraduate debt averaged $37K.

Are credit unions living up to DEI promises?

Credit union insiders often say their institutions better serve minority bankers through a combination of a not-for-profit ethos and community focus. However, a recent probe found that the largest US credit union rejected more than half of all Black applicants for conventional mortgages. To dive deep into Navy Federal Credit Union’s mortgage practices, read this journalistic investigation.

70 years after Brown v. Board, segregation remains in American schools

Despite being ruled unconstitutional in 1954, racial segregation persists: large shares of Black and Hispanic students still attend schools where most classmates are students of color. Recent trends show that segregation has increased across many urban districts since the 1990s.

Understanding why graduate fellowships from the NSF have exacerbated funding inequities

In 2017, 86% of Graduate Research Fellowship Program awardees came from institutions with high research activity, while just 0.3% were from HBCUs. Although the National Science Foundation mandates that all grant proposal reviewers undergo bias training, anecdotal data suggests that well-resourced schools take significant steps to prepare applicants, and they submit proposals at a higher-than-average rate. (Some readers may experience a paywall.)

Borrowers were increasingly defaulting on private credit loans as of early 2026

Risks in private credit investing include the industry's lack of transparency and the ability of businesses to borrow more than a bank might allow against their debt. Some borrowers in early 2026, for instance, likely did not expect interest rates to be so high for so long, which could be contributing to an uptick in defaults.

Private education offered an alternative for Black Americans

The early public school system was ostensibly designed for all Americans, but it was also racially segregated, offering substandard schools for Black Americans. Some private schools were founded to combat that problem, including St. Frances Academy in Baltimore, the United States' oldest predominantly Black Catholic high school.

Read a study about racial differences in Lyme disease diagnosis

The research published in September 2025 examined differences in Lyme disease diagnosis among Medicaid and Medicare beneficiaries using data from 2016 to 2021. It notes that though US Lyme disease surveillance data indicates more than 90% of diagnosed Lyme cases are among white people, people of color—particularly those who identify as Black or African American—have higher rates of more severe disease of Lyme, with symptoms including arthritis and neurologic impacts.

College tuition has climbed 600% in 40 years

The cost of attending college has outpaced inflation in the US. Tuition has climbed more than 600% in the past 40 years; more than three times the inflation rate. Many students have racked up student loans to cover rising college costs, while others have chosen not to attend college altogether.

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

White patients waited 374 days for a kidney—Black patients waited 727 days

A 2022 congressionally mandated report highlighted racial inequities in the US organ transplant system, including disparities that made it more likely white people will be placed on organ wait lists than Black people. It spotlighted inequities such as racial differences in median kidney wait times identified in earlier research. The report, from the National Academies of Sciences, Engineering, and Medicine, recommended fixes including that the Department of Health and Human Services develop national performance goals for the system and achieve equity in the system in the next five years.

More than 90% of American deaf children are born to hearing parents

The National Institute on Deafness and Other Communication Disorders have collated top statistics about hearing loss in the US including differences by age, racial groups, and other factors.

Why financial literacy education in the US sucks

If you don't remember learning anything about basic financial literacy in school, you're not alone—that's the common sentiment among those who have passed through the American school system. This video explains the history of financial education in the US and points out what can be done in the future to make the financial lessons children learn in school stick with them past recess. Watch it here.

The college degrees with the highest unemployment rates, visualized

Data from the Federal Reserve Bank of New York shows which college degrees have had the highest unemployment rates in the US as of May 2025. Degrees in anthropology, physics, and computer engineering ranked high on the list.

What happened to thousands of teens from the 1990s?

Scientists followed thousands of teenagers from 1997 into their 30s, cataloging their adverse experiences along the way via nearly three decades of interviews. Teens who grew up dealing with poverty, uninvolved parents, and other childhood stressors and traumas racked up an ACE score. These adverse childhood experiences have lifelong impacts on one's health, relationships, financial security, and "pretty much everything else," making them more likely to suffer premature death.

The average salary for Harvard MBA grads within 3 months of graduating is $193,837

That number (from 2024 and inclusive of signing bonuses) is higher than the average for all MBA grads in the US who secured jobs within three months after graduation (about $121,324), which signifies the impact of programs on MBA ROI. This list includes ROI for 30 different business school programs.

Thousands of Black men held local, state, and federal offices during Reconstruction

Between 1865 and 1877, more than 1,500 Black Americans served in local, state, and federal offices—including 16 in Congress. This unprecedented political participation largely ended after Reconstruction as Jim Crow laws and racial violence suppressed Black voting.

GoBankingRates evaluated whether the middle class can afford the American Dream

To do so, they looked at two studies: One that shows middle-class income ranges in each state, and another that determined the cost of the American dream in each state.

US housing costs have risen by roughly 175% between 1991 and 2026—but a growing number of Gen Zers are becoming homeowners anyway. In 2025, 4% of homebuyers were Gen Z, up from 3% the year before.

As of 2021, 25% of 40-year-olds in the United States had never been married

If you’re in your forties and without a college degree, you’re significantly less likely to have ever been married now than in the past. Ditto for Black 40-year-olds and middle-aged men. There’s been a huge jump from the 6% of 40-year-olds who had never been married in 1980. Despite the historical significance of marriage, the trend away from wedded bliss has been rising steadily over the past three decades.

American CEOs getting super rich has a lot to do with stock buybacks

In 1965, the pay gap between American CEOs and their workers was roughly 15-to-1. But by 2018, that ratio had ballooned to 220-to-1.

What are college endowments? An expert explains

College endowments are meant to last forever. That's why some of the oldest, most prestigious schools in the US have lasted so long. A higher education finance expert weighs in on how these funds work and offers fascinating tidbits on how they impact university finances.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

The first line of 'immortal' human cells, which can divide indefinitely and are used in scientific research, was nonconsensually taken from a Black woman.

About 2,000 US babies are born annually without some portion of their limbs, potentially leading to a lifetime of pricey prosthetics.

The American Society of Civil Engineers' infrastructure report card gave the US a C in 2025, its highest grade since the project launched in 1998.

A Yale student wrote a profound essay about the consulting industry's influence on elite college students that was published in a book of her writing after she died in a post-graduation car accident.

Watch a 1934 short film starring jazz legend Cab Calloway, a major figure in the Harlem Renaissance's music scene

About 12.5% of US adults experience a phobia in their lifetime, a diagnosis that hinges on the intense fear interfering with daily life and persisting for at least six months.

Use this calculator to find the dollar value of your mental load, from meal planning to coordinating after-school care for your children.

The United States has had a tumultuous relationship with Cuba since its 1959 revolution, highlighted by a nuclear crisis and a decades-long trade embargo.

Despite being favored by 87% of Americans, Congress does not have term limits.

Hedge funds, the private investment firms that trade a wide swath of financial assets, make money by imposing steep fees on investors and from the fund's investment performance.

Researchers believe the brain consolidates memories, processes emotions, and plans for the future during dream states

See a ranking of the best (and worst) Federal Reserve Chairs since 1914 out of the 16 men and women who have held the office since.

Dozens of S&P 500 stocks, including Coca-Cola and Walmart—known as the dividend aristocrats—have increased dividends every year for 25 years

44% of Americans say they pray at least once a day—discover how your state's religiosity stacks up against the rest of the country.

The first image of a black hole was captured by creating an Earth-sized virtual observatory from a network of eight radio telescopes.

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'

Apollo astronauts left items in the moon's 'toss zone,' including golf balls, family photos, and bags of human waste, to make room for lunar rocks.

In 2009, the nation was gripped by the story of a missing young boy who was believed to be floating over Colorado in a homemade balloon, until it was revealed that he was at home the whole time.

Louisiana's 'Cancer Alley' is infamous for having some of the highest industrial pollution, toxic air emissions, and cancer risks in the US.

The Brothers Grimm were lawyers before they were storytellers, but became interested in fairy tales as they began investigating how rules and customs had been passed down through cultures.

Volcanic activity may have triggered the Black Death by spewing gases that led to crop failures in Europe, thus forcing the import of grain ships with plague-infested fleas.