dr. kirkland. our first commentate oral be stella flores from vanderbilt university. >>. >> in response to this paper, i will respond to the whole paper. this paper bring two key social and financial realities that deserve more policy and research attention. that of the racial gap and racial debt gap. while there are differences in income, this paper is direct about how access to wealth which is influenced by a very poor racial history is fundamentally a discussion about race as well. there is that of the focus of the role of the effects of the great recession as new financial context. for example, it is no secret that low to middle income families may need to take out loans for college. i certainly could not have completed my various post second degree without the health. however, something different to engage in loan behavior in the recession era from personal as well as statewide context. the focus on the federal loan influence to their role in the the proposed college rating system. but aid sit

dr. kirkland. our first commentate oral be stella flores from vanderbilt university. >>. >> in response to this paper, i will respond to the whole paper. this paper bring two key social and financial realities that deserve more policy and research attention. that of the racial gap and racial debt gap. while there are differences in income, this paper is direct about how access to wealth which is influenced by a very poor racial history is fundamentally a discussion about race as well. there is that of the focus of the role of the effects of the great recession as new financial context. for example, it is no secret that low to middle income families may need to take out loans for college. i certainly could not have completed my various post second degree without the health. however, something different to engage in loan behavior in the recession era from personal as well as statewide context. the focus on the federal loan influence to their role in the the proposed college rating system. but aid sit

dr. kirkland? >> yeah. one of the tennants that i like to present is that, what we do is we take student with many challenges and we graduate them. where other well financed institutions with higher admission standards who saw a cherry pick off the top and get top students, there is no variation in your population. and it is easy because you get students who are highly motivated, who have strong precollegiate background and i submit that dill et can graduate the 90, 95% of those students as well. if we were more properly resourced then we would be able to overcome challenges that we faced with financial aid. but i would challenge those institutions who graduate 90% to take dill et student and graduate the same percent we graduate. >> thank you very much. we can take one more really quick question. two minutes. >> howard university assist upt professor recently at mexico state university will policy story line here you have the debate of merit versus need-based scholarship situations and have you at the stat