I know many Poor whites and Blacks that have college degrees much higher than yours and they paid their students loans off after landing high paying jobs that you haven't and didn't get !Race isn't the explanatory factor. Wealth is. Poor people do worse on standardized tests because they don't have the opportunities rich people do.
School is FREE from kindergarden through 12th grade and any one that doesn't take advantage of that become accountants and order mail bride wives............