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Mark McDaniel–PI. Almost 40 percent of student borrowers now graduate with unmanageable levels of debt, meaning that their monthly payments are more than eight percent of their monthly expenses. The debt burden for students of color is considerably larger with 55 percent of blacks and 58 percent of Hispanics graduating with high debt levels. Institutions that have traditionally served students of color, Historically Black Colleges and Universities (HBCUs), have been particularly hard hit by these trends as their student body has both higher debt burdens and default rates as well as low endowments. There is a need to address the disproportionate debt burden and default rates of students at HBCUs and provide graduates with a foundation for financial success. The Reality Education and Assets Partnership project, funded by the Jessie Ball DuPont Fund, helped develop the institutional capacity at participating schools to deliver financial and investor education and counseling resources by supplementing the general academic learning experience. The pilot helped build student proficiency in money and debt management and established the financial competencies necessary to make informed consumer decisions over a lifetime