Black-white disparity in student loan debt

 Black-white disparity in student loan debt

Part I

Main article: Black-white disparity in student loan debt more than triples after graduation by Judith Scott-Clayton and Jing Li (2016).

Source mine article: Young, Black, and (Still) in the Red: Parental Wealth, Race, and Student Loan Debt by Fenaba R. Addo1, Jason N. Houle2, and Daniel Simon explore the reason of the increasing disparities in the post-graduate student’s debt with race.

Part II

Kairos: This article proves relevance in the time-released because it sheds more light on the disparities in education and the increasing students’ debt in colleges. Today, the article provides the necessary information about the causes and evidence of racial disparities when it comes to the issue of student debt.

Authority: The author has incorporated different methods of research primarily through references of other scholarly articles to support their argument. The use of graphs and tables shows statistical analysis that was used in supporting the article. The authors have cited numerous scholarly sources to give their cases some credibility, which helps the reader rely on their information.

Audience: The article is directly aimed at the government, education stakeholders, activists, and the United States citizens because it focuses on a fundamental issue in society. The apprehension of these people will help in reducing the disparities being experienced in the education sector. This information can impact the general public, and that is why it a scholarly article.

Bias: The article is biased because it tends to highlight the racial disparities without extensively focusing on the factors that trigger this phenomenon. The increase in the education debt of African Americans can be correlated by the high level of dropouts, in which the article fails to balance the disparities from the white graduates equally.

Context: The article appears in the context of a situation where the authors are using the current struggle against racial discrimination to point an issue that is not common to many people. The education sector is the primary context the authors explore in a bid to explain the racial disparities when it comes to the black-whites graduates. Reading further the journal I can say it focuses on the factors and the causes of these racial disparities and how it has come about in the U.S education system

Part III

Kairos: The article is timely because it seeks to explain the different factors that lead to the increasing post-graduate debts of the black graduate to that of the whites. Now, the article is relevant because it provides evidence of the disparities and where they have originated from thus providing answers to this crucial social issue.

Authority: The authors assure the readers of their credibility; firstly, they come from reputable institutions. Secondly, the authors have imported vast information from other scholarly sources as a reference to their central arguments. The recommendations provide the readers with an opportunity to authenticate their article regarding the data and information used.

Audience: The article is aimed at the general public because it contains a racial issue that may be sensitive and critical, especially to United States citizens. It also perhaps of interest to education stakeholders and the black community living who might have gone under similar challenges. The article has targeted students who might seek information in their research papers.

Bias: The article is biased in the sense that it does not provide other resultant factors that may be responsible for the increasing racial disparities when it comes to student loan debt. The author s have just focused on wealth and how it affects the student loan debt without looking at other social factors such as crime and school dropouts.

Part IV

I believe the two articles correlate with each other because the main article has directly cited the second article because it contains relevant evidence. The articles have extensively offered insight on the factors that have led to black-white graduates disparities in student loan debts. The elements have proven almost similar such as family’s financial background and the occupation of the parent as significant factors that have led to these particular disparities. The articles have both used scholarly references to support their arguments, which make the data collected and the results trustable.

Moreover, I have gained considerable insight into the matters affecting the education sector and how these factors, either negative or positive, have come about. I have been able to know that racial disparities still affect students even after graduating. The articles were both informative and exciting and have substantially covered the issue of skyrocketing student loan debt.