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INSIGHTS CAN INFORM POLICY SOLUTIONS THAT ADDRESS THE RACIAL WEALTH GAP  \nBy Charles Sanchez, Eleanor Eckerson Peters, Diane Cheng, and Sean Tierney  \nMAY 2024  \nTABLE OF CONTENTS  \nCONTRIBUTORS  ......................................... III  \nACKNOWLEDGMENTS  ..................................... III  \nIDENTITY LANGUAGE  ..................................... IV  \nINTRODUCTION  ......................................... 1  \nWhat is the Difference Between Income and Wealth?  .................... 1  \nWhat is the Racial Wealth Gap?  ...................................... 2  \nTHE CYCLICAL RELATIONSHIP BETWEEN HIGHER EDUCATION AND THE RACIAL WEALTH GAP  ............................. 3  \nHow Wealth Affects Higher Education Experiences and Outcomes  ......... 3  \nHow Wealth is Affected by Higher Education Experiences and Outcomes  ... 5  \nResearch Questions on Higher Education and Wealth  ................... 6  \nWHAT DATA ARE AVAILABLE ON WEALTH AND HIGHER EDUCATION?  ..................................... 7  \nHOW LARGE IS THE RACIAL WEALTH GAP?  .................... 13  \nHOW IS WEALTH ASSOCIATED WITH COLLEGE SAVINGS, ENROLLMENT, COMPLETION, AND BORROWING?  ............... 16  \nHow Wealth Transfers Are Associated with Saving for Children’s Higher Education  ........................................ 17  \nHow Wealth Is Associated with College Enrollment  ...................... 19  \nHow Wealth Is Associated with College Completion  ..................... 20  \nHow Wealth Is Associated with Student Loan Borrowing  .................. 21  \nBREAKING THE CYCLE | Table of Contents i   \nTABLE OF  \nCONTENTS (CONTINUED)  \nLOOKING FORWARD: RECOMMENDATIONS AND NEEDED DATA IMPROVEMENTS  .................................... 24  \nRecommendations for Policymakers, Researchers, and Other Stakeholders  ............................................ 24  \nRecommendations to Improve and Expand Available Data  ............... 27  \nCONCLUSION  ........................................... 30  \nTECHNICAL APPENDIX  .................................... 31  \nData Sources and Methodology  ...................................... 31  \nTable Appendices  ................................................. 33  \nNOTES  ................................................ 36  \nBREAKING THE CYCLE | Table of Contents ii   \nCONTRIBUTORS  \nKim Dancy, Institute for Higher Education Policy  \nLauren J. Asher, LJA Strategies  \nACKNOWLEDGMENTS  \nThis research was funded through generous support from The Joyce Foundation. The findings and conclusions presented in this report are those of the authors alone, and do not necessarily reflect the opinions of the Foundation.  \nThe authors are grateful for the contributions of IHEP staff who made this report possible. Thank you to Mamie Voight, president and CEO; Kelly Leon, vice president of communications and government affairs; Lauren Bell, communications associate; Jessica Vivar, government affairs associate; and Gabrielle Smith Finnie, former research intern. They provided a range of support, including policy insight, help identifying timely and relevant research, feedback on drafts, and a host of logistical assistance throughout.  \nThis report required extensive data exploration by Netasha Pizano, former research intern; Marián Vargas, senior research analyst; Pearl Lo, former research intern, and Madeline Rowe, research intern; all of whom provided significant data validation and quality assurance support. We are grateful to Albert Liu, Jackson Miller, and Samuel Correa of Westat Insight for providing methodological feedback. We also extend thanks to Olivia Valdes of the FINRA Foundation for helping provide access to restricted-use data for some of the analyses presented in this report, Sabrina Detlef for copyediting, and openbox9 for creative design and layout.  \nBREAKING THE CYCLE | Acknowledgments iii   \nIDENTITY LANGUAGE  \nIn all of our work at I","cbCait95z2oMFaVO","https://ap.wps.com/l/cbCait95z2oMFaVO","pdf",10987575,44,"English","# Contributors\n# Acknowledgments\n# Identity Language\n# Introduction\n## What is the Difference Between Income and Wealth?\n## What is the Racial Wealth Gap?\n# The Cyclical Relationship Between Higher Education and the Racial Wealth Gap\n## How Wealth Affects Higher Education Experiences and Outcomes\n## How Wealth is Affected by Higher Education Experiences and Outcomes\n## Research Questions on Higher Education and Wealth\n# What Data Are Available on Wealth and Higher Education?\n# How Large Is the Racial Wealth Gap?\n# How is Wealth Associated with College Savings, Enrollment, Completion, and Borrowing?\n## How Wealth Transfers Are Associated with Saving for Children’s Higher Education\n## How Wealth Is Associated with College Enrollment\n## How Wealth Is Associated with College Completion\n## How Wealth Is Associated with Student Loan Borrowing\n# Looking Forward: Recommendations and Needed Data Improvements\n## Recommendations for Policymakers, Researchers, and Other Stakeholders\n## Recommendations to Improve and Expand Available Data\n# Conclusion\n# Technical Appendix\n## Data Sources and Methodology\n# Notes","[{\"question\":\"What does the report define as the difference between income and wealth?\",\"answer\":\"It distinguishes income from wealth to clarify how resources stored over time—rather than earnings alone—drive educational opportunity and long-term outcomes.\"},{\"question\":\"How does wealth affect higher education experiences and outcomes?\",\"answer\":\"The report explains that wealth influences college savings, enrollment, completion, and borrowing patterns, creating measurable differences in how students experience higher education.\"},{\"question\":\"What recommendations does the report make for policy and data improvements?\",\"answer\":\"It provides recommendations for policymakers, researchers, and stakeholders and calls for improved and expanded data to better address and analyze the racial wealth gap.\"}]","Breaking the Cycle of Racial Wealth Inequities and Higher Education Outcomes - How Data-Driven Insights Can Inform Policy Solutions That Address the Racial Wealth Gap | PDF",1792053032,111]