The Center for Responsible Lending (CRL) appreciates the opportunity to provide ideas on how to address racial disparities in student debt and the broader challenges faced by students of color in college and career training. We appreciate your commitment to addressing racial disparities in student debt and the broader challenges faced by students of color in college and career training. CRL stands firm in the belief that any legislation seeking to remedy the student debt crisis and disparities in higher education should focus on the outcomes for those who have been traditionally shut out of this system: low-income students and students of color.