 Higher mortgages charged to African American or Latino American buyers make it more difficult for members of these minority groups to attain full home ownership and accumulate wealth.As a result, African American and Latino American groups continue to live in racially segregated neighborhoods and face the socioeconomic consequences of residential segregation.Differences in the academic performance of African-American and White students exist even in schools that are desegregated and diverse, and studies have shown that a school's racial mix does not seem to have much effect on changes in reading scores after sixth grade, or on math scores at any age.