With the total student debt in the United States at nearly $1.5 trillion, loans are affecting the lives of many students. But while higher education pays off for the average graduate, the student loan data illustrates a unique and severe situation for Black students that has reached crisis level, even if the same isn't true for other racial and ethnic groups. Borrowing while Black is a different experience. Black students are more likely to borrow--and borrow more--than their peers and are also more likely to struggle with repayment. This article explores exactly what is fueling this student debt crisis for Black students.