The Student Debt Crisis
America’s Moral Urgency
by Jamal Watson
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Pub Date Sep 16 2025 | Archive Date Not set
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Description
"A profoundly moving, well-researched examination of a uniquely American crisis.” —Library Journal, starred review
The student debt crisis is a civil rights issue, and it's time we start treating it like one.
Based on extensive interviews with students, college administrators, policymakers, and other leaders, The Student Debt Crisis illuminates one of the nation's most urgent and pressing civil rights questions of the last three decades: Who gets to go to college? This book comprehensively examines the history and current state of the student debt crisis in the US. With a focus on the moral imperative of ensuring equal access to higher education, The Student Debt Crisis highlights the disproportionate impact of student debt on Black and brown students, particularly Black women. By delving into the history and practical realities of student debt, higher-education journalist Jamal Watson sheds light on the challenges faced by debt-laden college graduates and non-graduates alike.
From the rising number of borrowers defaulting on their loans to the barriers that hinder accessibility for those from diverse socioeconomic backgrounds, Watson offers a deeper understanding of the student debt crisis on macro and micro levels. As the spotlight on student debt continues to grow, The Student Debt Crisis is a vital resource for anyone seeking a comprehensive understanding of this issue. From policymakers shaping paths of action to families and students navigating educational choices, this book offers essential insights and potential solutions to these pressing challenges.
Advance Praise
“An accessible overview that combines history, politics, and data with stories of lived experience, this is an excellent, if sobering read. . . . A profoundly moving, well-researched examination of a uniquely American crisis."
—Library Journal, starred review
"As the student-debt crisis continues to persist, many will find this book insightful, well researched, and easy to read. It will appeal to those interested in civil rights and college admissions and to parents and students who are navigating the cost and decisions regarding higher education."
—Booklist
“Student debt is a crisis that unites large swaths of the American public across axes of race, class, and gender. Jamal Watson’s brilliant book The Student Debt Crisis is both timely and necessary. One of America’s leading public intellectuals delivers an analytical history of this pressing issue while offering an impassioned plea for relief of debt that crushes the future of millions of citizens. This compelling and cogent moral argument for national assistance to vulnerable members of our society should be read by all — but especially by politicians who hold the purse strings and public-policy makers who put their visions into action.”
—Michael Eric Dyson, University Distinguished Professor of African American and Diaspora Studies, Vanderbilt University
“If you’re looking for a compelling and comprehensive book on student loan debt, then look no further. Watson has written a groundbreaking book, sharing policy, data, and real stories, that persuasively calls for action, especially around racial justice. He calls for an end to blaming the victim and makes the case that college is one American dream that students should not be penalized with extraordinary fiscal debt for pursuing. Watson offers moral, practical, doable recommendations to support and honor those seeking a college degree. A must-read from beginning to end.”
—Donna Y. Ford, Distinguished Professor of Education and Human Ecology, The Ohio State University
“Jamal Watson’s The Student Debt Crisis is both a brilliant call to arms regarding one of the pressing civil rights issues of the era and an insightful and urgent moral plea to reimagine the possibility and promise of American democracy. An excellent and invigorating read.”
—Dr. Peniel E. Joseph, author of The Sword and the Shield and The Third Reconstruction, among other books, and founding director of the Center for the Study of Race and Democracy at University of Texas at Austin
“Jamal Watson has written a superb and courageous book on a crucial yet overlooked Issue: student debt. His visionary scholarship continues to matter!”
—Cornel West, author of Race Matters, and the Dietrich Bonhoeffer Professor of Philosophy & Christian Practice at Union Theological Seminary
Marketing Plan
National and online publicity campaign targeting news media and higher-education media
Social media and digital campaign targeting borrowers and debtors, college students, educators, and those interested in social justice
Trade advertising
Marketing collaboration and promotion with Diverse: Issues in Higher Education
Available Editions
EDITION | Other Format |
ISBN | 9781506495163 |
PRICE | $24.99 (USD) |
PAGES | 176 |
Links
Available on NetGalley
Featured Reviews

First off, thank you for writing this! As someone who is suffering with these predatory loans it means a lot to have a educated voice speaking about the problem. Second, this book was well written and established facts with REAL data. Bravo!

“The strength of the US, is not the gold at Fort Knox or the weapons of mass destruction that we have, but the sum total of the education and the character of our people.”
Accessibility to higher education is seen as the most pressing civil right issue in the US. Education has always been sold as a tool of social mobility to the middle class, but unfortunately that doesn’t come cheap. Student debt in the US has risen to over 1.7 Trillion, with the majority held by African Americans. This has been subsidised through scholarships, grants and financial aid, but with the re-election of Donald Trump, who has made it his mission to dismantle the Department of Education this is only going to get worse.
“A higher education should be a right for all, not a privilege for the few.” Watson explores the history of the Pell grant, how Black colleges originated so students would no longer be turned away, how first generation students weren’t supported enough when looking at financing options and may have buried themselves in debt, how the cost of education has changed the workforce, how the pandemic highlighted the widening economic disparities that exist, how the “Republican” Supreme Court responded to solutions and finally how other countries compare.
As someone that isn’t ready to leave education and further learning just yet, I would be devastated to be bound and suffocated by this society. As I see Trump make his moves I can only imagine how this generation of students will suffer, be further indebted or choose not to go college/university.
Thank you so much to NetGalley, Jamal Watson and Broadleaf Books for this early release copy. Student Debt Crisis is available from Sep 16th.