median lifetime earnings for those with a bachelor’s degree are $2,300,000 or 74 percent more than those with just a high school diploma. (13) Despite overall gains nationally, gaps in college enrollment and completion by race persist. In 2016, college enrollment for White students was 71 percent, which was a six percent increase from 2000. From 2000 to 2015, enrollment of Black students went from 30.5 percent to 34.9 percent, and enrollment of Latino students went from 21.7 percent to 36.6 percent. Nationally, over two-thirds of all Asian and White students complete college within six years compared to less than half of all Black and Latino students. (14) America’s public school population is majority minority and in 2044, the United States is expected to be a majority-minority nation where Whites will make up less than half of the population. Given this seismic shift in demographics, we must be more intentional about improving college readiness in our nation’s elementary and secondary schools and promoting access and success to post-secondary education for historically underrepresented students. (15) Homeownership is the primary means of building equity and passing on wealth from one generation to the next. This is especially true for African Americans, where over 90 percent of wealth is in their homes, according to the Center for Global Policy Solutions. (16) Yet, African-American homeowners were three times more likely to be steered into subprime products, even when they qualified for conventional mortgages, in the years leading up to the financial crisis. The foreclosure rate for these loans was 10 times greater than conventional mortgages. Consequently, while the African-American homeownership rate peaked in 2004 at 50 percent, it is currently only 41.2 percent and is projected to decrease to 40 percent by 2030. Reversing this trend is vital to American families, to communities, and to our national economy. (17) The United States needs a domestic Mainstream Marshall plan that will combat poverty, promote