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Credit can be a lifeline during emergencies and a bridge to education and homeownership. 

But debt, which can stem from credit or unpaid bills, often negatively affects the financial well-being of families and communities.  

The following data, from the Urban Institute, shows the geography of debt in America and the debt differences that can reinforce the wealth gap between white communities and communities of color.

Stacy M. Brown is a senior writer for The Washington Informer and the senior national correspondent for the Black Press of America. Stacy has more than 25 years of journalism experience and has authored...

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