“I need to borrow some money”: How Community College Students of Color Experience Punitive Financial Aid Structured Disbursements

Abstract

Community college students must navigate complex financial aid policies and procedures to obtain their aid award. In this study, I investigated how Students of Color at a community college experience financial aid disbursements. Through qualitative interviews, I found that community colleges disburse aid to students through a process I define as structured disbursements, which delays students’ receipt of their aid. Using Critical Race Theory (CRT) to frame this study, I argue that racist notions about Students of Color with financial need influence how aid is disbursed in the community college sector, which ultimately harms these students. I provide recommendations for practice and policy to improve student experience with financial aid disbursements