A 30-percentage point gap remains between the homeownership rate of white and Black Americans. Student loan debt plays a significant factor in this spread. At a median student loan debt of $40,000, Black homebuyers had the highest debt compared to white and Hispanic buyers, according to a NAR survey. This delays the homebuying efforts of Black Americans and plays a factor in them purchasing less expensive homes. The homeownership racial divide in America will take years to address. But organizations such as NAR, by producing studies that highlight the discrepancies and add information that can help influence change.