darrell patrick moynihan, the senator from new york, wrote the unwed motherhood rate was only about 50%. host: i want to give jillian a chance to address that. have you come across a factor in your research? guest: i have not. when we talk about the racial wealth gap, there is a history of policies. in america, that has made it difficult for americans to build wealth. for blackicult americans to buy a home. that's the sort of thing we're talking about here. host: david is calling from thousand oaks, california. one of the aspects that is often -- aspect that is often left out of this discussion is that much of the student loan debt falls on the backs of parents to pay off. i never hear lawmakers are people in the media discuss that. oftentimes, these parents are going into their retirement years and have difficulty paying off these loans. guest: that's definitely true. starting to think more about that. there is a government loan product called parent plus loan. that is a loan that parents and take out. it is controversial because they can take out the cost of a degree. it doesn't have

darrell patrick moynihan, the senator from new york, wrote the unwed motherhood rate was only about 50%st: i want to give jillian a chance to address that. have you come across a factor in your research? guest: i have not. when we talk about the racial wealth gap, there is a history of policies. in america, that has made it difficult for americans to build wealth. for blackicult americans to buy a home. that's the sort of thing we're talking about here. host: david is calling from thousand oaks, california. one of the aspects that is often -- aspect that is often left out of this discussion is that much of the student loan debt falls on the backs of parents to pay off. i never hear lawmakers are people in the media discuss that. oftentimes, these parents are going into their retirement years and have difficulty paying off these loans. guest: that's definitely true. starting to think more about that. there is a government loan product called parent plus loan. that is a loan that parents and take out. it is controversial because they can take out the cost of a degree. it doesn't have a lo