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Dave
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The sub prime car loan hit low income people just like the sub prime mortgage crisis did. Bank of America and Wells Fargo produced that crisis for several years. The primary victims were low to middle income black Americans. Research what Auto Credit finance company has been engaged in in Detroit for several years.

In response to the paragraph that reads blacks in Georgia are in the top 10 national home ownership range, it left out the fact a very high percent of those owned homes are in areas where home value is very low.  There is a big difference between home ownership and home value.

I see the parents did not thoroughly check to see if their daughter or son was fully eligible for financial reasons. They made a rush to get to Atlanta due to extreme excitement about going to a black college. It is a pattern with parents who overlook an aspect and rush to judgement. Many of the parents don’t follow

Here is one more tip to add. I am a Navy Veteran and I attended a resume class designed specific for veterans. The instructor was a former hiring manager at a large company and she advised us to omit your address from the header. Combined with anything that reveals your age or religion some hiring managers are using