Predatory Inclusion: Consequences of Lending and Borrowing in Financially Excluded Communities

2020 SLLI Research Grant

SLLI is awarding a grant to Raphaël Charron-Chénier, Assistant Professor of Sociology and of Justice and Social Inquiry at Arizona State University. Professor Charron-Chénier’s extensive work on racial disparities in the student loan market have made him a foremost expert on predatory inclusion—the idea that marginalized borrowers and borrowers of color are offered particular credit products under subpar conditions that would not be offered to other communities. Professor Charron-Chénier will use SLLI’s proprietary datasets to explore inequities in the quality of credit extended to student loan borrowers of color and document how those disparate lending patterns lead to disparate outcomes. Professor Charron-Chénier’s work will provide policy makers with critical insights to help address systemic disparities in the notoriously opaque student loan market.

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