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Cited by 83Housing, Finance, and NeoliberalismFinancial Literacy, Pension, Retirement AnalysisUrban, Neighborhood, and Segregation Studies

Black Debt, White Debt

Open access
Seamster, Louise·2019·Contexts
DOI 10.1177/1536504219830674
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Abstract

Racial discrimination shapes who feels debt as a crushing burden and who experiences debt as an opportunity. U.S. financial products and rules, and the ways they’re implemented, amplify this inequality along racial lines.

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Crossref · 10.1177/1536504219830674

Cites

5 of 5 references verified0 citation errors · 0 not checkable

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  • Debt can be misleading as a measure of disadvantage because wealthier families, who are more likely to be white, often have access to strong credit and high amounts of 'good debt' with favorable repayment terms.

    “Notably, however, debt can be misleading, as wealthier families, who are more likely to be white, often have access to strong credit and high amounts of what is coded as 'good debt' (e.g., real estate, property, and vehicles) with favorable repayment terms (Killewald, 2013; Seamster, 2019).”

    From Wealth, Race, and Under-Addressed Financial Need in Federal Student Aid Policy (2025) · cites this paper as Seamster, 2019

  • People of color are more likely to be burdened by medical or predatory debt, and to be in default on other types of debt.

    “are more likely to be burdened by medical or predatory debt, and to be in default on other types of debt (Charron-Chénier & Seamster, 2020; Seamster, 2019).”

    From Debt, Incarceration, and Re-entry: a Scoping Review (2021) · cites this paper as Seamster, 2019

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Related

Authors
Seamster, L.
Corresponding author
Seamster, Louise
ORCID
Seamster, Louise
Venue
Contexts
Publisher
SAGE Publications
Published
2019-02
Volume
18
Issue
1
Pages
30-35
ISSN
  • 1536-5042 (ISSN-L)
  • 1537-6052
DOI
10.1177/1536504219830674
OpenAlex
W2922201873
Cited by
83
References
5
Citations by year
2026: 14 · 2025: 6 · 2024: 10 · 2023: 20 · 2022: 15 · 2021: 12 · 2020: 6
FWCI
9.99
Type
journal article
Language
en
Open access
Licence
journals.sagepub.com/page/policies/text-and-data-mining-license (tdm)
Locations
Contexts (publishedVersion)
Topics
  • Social Sciences › Economics, Econometrics and Finance › Finance › Housing, Finance, and Neoliberalism
  • Social Sciences › Business, Management and Accounting › Accounting › Financial Literacy, Pension, Retirement Analysis
  • Social Sciences › Sociology and Political Science › Urban, Neighborhood, and Segregation Studies
Keywords
racial discrimination, debt, racial inequality, financial inequality, consumer credit, financial products, debt burden, access to credit

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