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Feds, State Take Steps to Ease Burden on Some Student Loan Borrowers

According to a report by California Student Loan and Debt Service Review Workgroup (CSLDSRW) — established under the state’s Budget Act of 2020 — and the National Center for Education Statistic (NCES), 84.9% of Blacks who earned bachelor’s degrees from 2015 to 2016 owed an average of $34,000 upon graduation.

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Massachusetts Congresswoman Ayanna Pressley speaking about cancellation of student debt Dec 5, 2021. Photo courtesy of California Black Media.
Massachusetts Congresswoman Ayanna Pressley speaking about cancellation of student debt Dec 5, 2021. Photo courtesy of California Black Media.

By Antonio Ray Harvey | California Black Media

Lillian Lewis earned multiple degrees from California State University Sacramento.

Before the pandemic began, Lewis said, paying down the high student loan debt she accrued to cover her tuition and living expenses while in school put a strain on her monthly budget. Those arrears (“in the thousands”) with growing interest made it difficult for her to make ends meet.

But last month, Lewis and about 30,000 other American student loan borrowers across the United States received some unanticipated good news. The Biden administration announced a $2 billion relief program that expanded the Public Service Loan Forgiveness (PSLF) program.

“It took a huge load off my finances and will improve my credit, which was not bad anyway,” said Lewis, who does social work and now lives in Las Vegas. “It was taking forever to pay off. Now, I don’t have to worry anymore.”

PSLF wipes out student loan debt for borrowers who commit to public service careers or work full time for public or nonprofit organizations.

The relief program launched about three months before the federal government lifts a freeze on student loan payments on Jan. 31, 2022. In March 2020, as the COVID-19 pandemic gripped the country, the feds paused monthly payments for Americans who owe student loans, stopped all collection activity, and applied a temporary zero-interest rate to all debt.

In California, there are thousands of African Americans like Lewis: saddled with huge balances stemming from loans they took out to pay for tuition not covered by scholarships, living arrangements, textbooks, and other expenses.

In November, highlighting one borrower’s story, United States Education Secretary Miguel Cardona tweeted, “we are just getting started” to provide student debt relief for millions of Americans.

According to a report by California Student Loan and Debt Service Review Workgroup (CSLDSRW) — established under the state’s Budget Act of 2020 — and the National Center for Education Statistic (NCES), 84.9% of Blacks who earned bachelor’s degrees from 2015 to 2016 owed an average of $34,000 upon graduation.

CSLDSRW’s study also found that Californians of color default more on their student loans. Neighborhoods in the San Francisco Bay Area with the largest percentages of Black and Latino residents had 19.9% of borrowers in delinquency and 15% in default.

In Los Angeles, borrowers living in ZIP codes with high minority populations had double the amount of default rates than borrowers in ZIP codes that are predominantly white.

U.S. Congresswoman Ayanna Pressley (D-Massachusetts) told the media at an event hosted by the American Federation of Teachers earlier this year that she, too, had defaulted on her student loans.

Black women carry 20% more in student debt than white women, according to the American Association of University Women, an advocacy group that fights for fair pay and economic opportunities for women.

“Like 85% of Black students, I had to borrow; and like so many of those students, I had also defaulted on those loans. We know that Black and Brown students are five times more likely to default for those loans than our white counterparts,” said Pressley.

CSLDSRW’s reported that among all borrowers, Black women accrued more student debt, an average of $37,558, from their undergraduate studies than any other group.

According to EducationData.org, a website that addresses the rising cost of higher education, Black college graduates owe an average of $52,000 in student-loan debt – nearly $25,000 more than their white counterparts.

In October, Gov. Gavin Newsom signed Assembly Bill (AB) 424, the Private Student Loan Collection Reform Act, which places new documentation requirements on private student loan lenders before activating any collection activity. AB 424 becomes law on July 1, 2022.

“We’re turning commitments into reality by ensuring that our students have more access to high-quality educational opportunities, creating a change of course for generations to come and bolstering California’s innovation economy,” Newsom said when he signed the legislation.

“Californians have thrived at our world class universities for decades, but not everyone has had similar access – today that’s changing,” he continued. Everyone deserves a shot at the ‘California Dream.”

The U.S. Department of Education expects thousands more to benefit in the coming months from more federally funded debt relief programs.

Over 45 million Americans have a total of $1.7 trillion worth of student loan debt. Progressive lawmakers have pushed Biden to wipe out all federally held debts up to $50,000 and they are making efforts to stop repayments of loans.

“89% of student borrowers say they aren’t financially ready to resume student loan payments & 27% will be spending at least a third of their income on payments when they resume,” tweeted Sen. Elizabeth Warren (D-MA). “Student debt is dragging down our communities and economy@POTUS should #CancelStudentDebt.”

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Oakland Post: Week of November 5 – 11, 2025

The printed Weekly Edition of the Oakland Post: Week of November 5 – 11, 2025

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Oakland Post: Week of October 29 – November 4, 2025

The printed Weekly Edition of the Oakland Post: Week of October 29 – November 4, 2025

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Past, Present, Possible! Oakland Residents Invited to Reimagine the 980 Freeway

Organizers ask attendees coming to 1233 Preservation Park Way to think of the event as a “time portal”—a walkable journey through the Past (harm and flourishing), Present (community conditions and resilience), and Future (collective visioning).

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Hundreds of residents in West Oakland were forced out by eminent domain before construction began on the 980 freeway in 1968. Courtesy photo.
Hundreds of residents in West Oakland were forced out by eminent domain before construction began on the 980 freeway in 1968. Courtesy photo.

By Randolph Belle
Special to The Post

Join EVOAK!, a nonprofit addressing the historical harm to West Oakland since construction of the 980 freeway began in 1968, will hold  a block party on Oct. 25 at Preservation Park for a day of imagination and community-building from 10 a.m. to 4 p.m.

Organizers ask attendees coming to 1233 Preservation Park Way to think of the event as a “time portal”—a walkable journey through the Past (harm and flourishing), Present (community conditions and resilience), and Future (collective visioning).

Activities include:

  • Interactive Visioning: Site mapping, 3-D/digital modeling, and design activities to reimagine housing, parks, culture, enterprise, and mobility.
  • Story & Memory: Oral history circles capturing life before the freeway, the rupture it caused, and visions for repair.
  • Data & Policy: Exhibits on health, environment, wealth impacts, and policy discussions.
  • Culture & Reflection: Films, installations, and performances honoring Oakland’s creativity and civic power.

The site of the party – Preservation Park – itself tells part of the story of the impact on the community. Its stately Victorians were uprooted and relocated to the site decades ago to make way for the I-980 freeway, which displaced hundreds of Black families and severed the heart of West Oakland. Now, in that same space, attendees will gather to reckon with past harms, honor the resilience that carried the community forward, and co-create an equitable and inclusive future.

A Legacy of Resistance

In 1979, Paul Cobb, publisher of the Post News Group and then a 36-year-old civil-rights organizer, defiantly planted himself in front of a bulldozer on Brush Street to prevent another historic Victorian home from being flattened for the long-delayed I-980 Freeway. Refusing to move, Cobb was arrested and hauled off in handcuffs—a moment that landed him on the front page of the Oakland Tribune.

Cobb and his family had a long history of fighting for their community, particularly around infrastructure projects in West Oakland. In 1954, his family was part of an NAACP lawsuit challenging the U.S. Post Office’s decision to place its main facility in the neighborhood, which wiped out an entire community of Black residents.

In 1964, they opposed the BART line down Seventh Street—the “Harlem of the West.” Later, Cobb was deeply involved in successfully rerouting the Cypress Freeway out of the neighborhood after the Loma Prieta earthquake.

The 980 Freeway, a 1.6-mile stretch, created an ominous barrier severing West Oakland from Downtown. Opposition stemmed from its very existence and the national practice of plowing freeways through Black communities with little input from residents and no regard for health, economic, or social impacts. By the time Cobb stood before the bulldozer, construction was inevitable, and his fight shifted toward jobs and economic opportunity.

Fast-forward 45 years: Cobb recalled the story at a convening of “Super OGs” organized to gather input from legacy residents on reimagining the corridor. He quickly retrieved his framed Tribune front page, adding a new dimension to the conversation about the dedication required to make change. Themes of harm repair and restoration surfaced again and again, grounded in memories of a thriving, cohesive Black neighborhood before the freeway.

The Lasting Scar

The 980 Freeway was touted as a road to prosperity—funneling economic opportunity into the City Center, igniting downtown commerce, and creating jobs. Instead, it cut a gash through the city, erasing 503 homes, four churches, 22 businesses, and hundreds of dreams. A promised second approach to the Bay Bridge never materialized.

Planning began in the late 1940s, bulldozers arrived in 1968, and after years of delays and opposition, the freeway opened in 1985. By then, Oakland’s economic engines had shifted, leaving behind a 600-foot-wide wound that resulted in fewer jobs, poorer health outcomes, and a divided neighborhood. The harm of displacement and loss of generational wealth was compounded through redlining, disinvestment, drugs, and the police state. Many residents fled to outlying cities, while those who stayed carried forward the spirit of perseverance.

The Big Picture

At stake now is up to 67 acres of new, buildable land in Downtown West Oakland. This time, we must not repeat the institutional wrongs of the past. Instead, we must be as deliberate in building a collective, equitable vision as planners once were in destroying communities.

EVOAK!’s strategy is rooted in four pillars: health, housing, economic development, and cultural preservation. These were the very foundations stripped away, and they are what  they aim to reclaim. West Oakland continues to suffer among the worst social determinants of health in the region, much of it linked to the three freeways cutting through the neighborhood.

The harms of urban planning also decimated cultural life, reinforced oppressive public safety policies, underfunded education, and fueled poverty and blight.

Healing the Wound

West Oakland was once the center of Black culture during the Great Migration—the birthplace of the Black Panther Party and home to the “School of Champions,” the mighty Warriors of McClymonds High. Drawing on that legacy, we must channel the community’s proud past into a bold, community-led future that restores connection, sparks innovation, and uplifts every resident.

Two years ago, Caltrans won a federal Reconnecting Communities grant to fund Vision 980, a community-driven study co-led by local partners. Phase 1 launched in Spring 2024 with surveys and outreach; Phase 2, a feasibility study, begins in 2026. Over 4,000 surveys have already been completed. This once-in-a-lifetime opportunity could transform the corridor into a blank slate—making way for accessible housing, open space, cultural facilities, and economic opportunity for West Oakland and the entire region.

Leading with Community

In parallel, EVOAK! is advancing a community-led process to complement Caltrans’ work. EVOAK! is developing a framework for community power-building, quantifying harm, exploring policy and legislative repair strategies, structuring community governance, and hosting arts activations to spark collective imagination. The goal: a spirit of co-creation and true collaboration.

What EVOAK! Learned So Far

Through surveys, interviews, and gatherings, residents have voiced their priorities: a healthy environment, stable housing, and opportunities to thrive. Elders with decades in the neighborhood shared stories of resilience, community bonds, and visions of what repair should look like.

They heard from folks like Ezra Payton, whose family home was destroyed at Eighth and Brush streets; Ernestine Nettles, still a pillar of civic life and activism; Tom Bowden, a blues man who performed on Seventh Street as a child 70 years ago; Queen Thurston, whose family moved to West Oakland in 1942; Leo Bazille who served on the Oakland City Council from 1983 to 1993; Herman Brown, still organizing in the community today; Greg Bridges, whose family’s home was picked up and moved in the construction process; Martha Carpenter Peterson, who has a vivid memory of better times in West Oakland; Sharon Graves, who experienced both the challenges and the triumphs of the neighborhood; Lionel Wilson, Jr., whose family were anchors of pre-freeway North Oakland; Dorothy Lazard, a resident of 13th Street in the ’60s and font of historical knowledge; Bishop Henry Williams, whose simple request is to “tell the truth,” James Moree, affectionately known as “Jimmy”; the Flippin twins, still anchored in the community; and Maxine Ussery, whose father was a business and land owner before redlining.

EVOAK! will continue to capture these stories and invites the public to share theirs as well.

Beyond the Block Party

The 980 Block Party is just the beginning. Beyond this one-day event, EVOAK! Is  building a long-term process to ensure West Oakland’s future is shaped by those who lived its past. To succeed, EVOAK! Is seeking partners across the community—residents, neighborhood associations, faith groups, and organizations—to help connect with legacy residents and host conversations.

980 Block Party Event Details
Saturday, Oct. 25
10 a.m. – 4 p.m.
Preservation Park, 1233 Preservation Park Way, Oakland, CA 94612
980BlockParty.org
info@evoak.org

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