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Historical stereotypes[edit]
Historical stereotypes have long shaped perceptions of African Americans, with minstrel shows in the nineteenth century being a prominent vehicle for spreading disparaging depictions. Blackface performances, notably the popular character Jim Crow, perpetuated harmful stereotypes of African Americans as ignorant, lazy, and buffoonish. These portrayals extended beyond physical appearance to reinforce stereotypes about labor, intelligence, and irreverent wit. The use of music, exemplified by Jim Crow's signature song, further popularized these racial caricatures, contributing to the normalization of derogatory attitudes.

Moving beyond minstrelsy, contemporary media, particularly in hip hop music, has continued to reinforce stereotypes about black men. The genre often depicts black men as hypersexual thugs and gangsters, influencing negative perceptions and impacting cognitive performance, especially among African American men. Similarly, African American women are degraded and over-sexualized in rap music videos, potentially leading to health implications for viewers.

Beyond entertainment, racial profiling stereotypes have serious real-world consequences. Unwarranted suspicion and racial profiling can lead to tragic incidents, exemplified by the fatal shooting of Trayvon Martin, where historical biases fueled George Zimmerman's suspicions, ultimately resulting in tragedy. The impact of racial profiling extends to law enforcement, as seen in the Michael Brown case, where biased media coverage influenced public perception and ignited protests against racial profiling and police brutality.

This article explores the deep-seated roots of historical stereotypes, their evolution into modern media, and the consequential impact on African American communities. From minstrel shows to contemporary hip hop and racial profiling incidents, the pervasive nature of these stereotypes underscores the urgent need for continued awareness and societal change.

Within the intricate tapestry of African American stereotypes lies a narrative of financial disparities and challenges that demands examination. This article scrutinizes the often-overlooked intersection of racial stereotypes and economic struggles faced by African American households. Revealing a stark reality, the data discloses a higher prevalence of credit card debt and student loans within this demographic. Despite facing comparable debt levels, lower average incomes pose formidable obstacles to debt repayment. As we explore the financial landscape, it becomes evident that African American families grapple with unique economic challenges, from prioritizing daily expenses over future savings to navigating the intricacies of student loan debt. By shedding light on these financial disparities, this article aims to foster a deeper understanding of the nuanced impact of stereotypes on economic well-being, emphasizing the need for equitable financial opportunities and dismantling systemic barriers that perpetuate disparities.

Minstrel shows became a popular form of theater during the nineteenth century, which portrayed African Americans in stereotypical and often disparaging ways, some of the most common being that they are ignorant, lazy, buffoonish, superstitious, joyous, and musical. One of the most popular styles of minstrelsy was Blackface, where White performers burnt cork and later greasepaint or applied shoe polish to their skin with the objective of blackening it and exaggerating their lips, often wearing woolly wigs, gloves, tailcoats, or ragged clothes to give a mocking, racially prejudicial theatrical portrayal of African Americans. This performance helped introduce the use of racial slurs for African Americans, including "darky" and "coon".

The best-known stock character is Jim Crow, among several others, featured in innumerable stories, minstrel shows, and early films with racially prejudicial portrayals and messaging about African Americans.

Jim Crow[edit]
Main article: Jim Crow (character)

The character Jim Crow was dressed in rags, battered hat, and torn shoes. The actor wore Blackface and impersonated a very nimble and irreverently witty black field hand. The character's popular song was "Turn about and wheel about, and do just so. And every time I turn about I Jump Jim Crow."

Jim Crow's characterization extended beyond physical appearance to encompass behaviors and mannerisms. The portrayal often involved impersonating a black field hand, emphasizing stereotypes about African Americans being laborers or slaves. The character was presented as nimble, which played into racial stereotypes perpetuating the idea of physical prowess among black individuals.

Additionally, Jim Crow's character was characterized by irreverent wit, contributing to the reinforcement of racial stereotypes that suggested African Americans were simple-minded or foolish. The use of humor in these portrayals was often based on demeaning stereotypes and contributed to the dehumanization of African Americans.

The mention of the popular song "Turn about and wheel about, and do just so. And every time I turn about I Jump Jim Crow" reflects the use of music in minstrel shows to further emphasize and popularize racial stereotypes. The lyrics of the song, with their simplistic and repetitive nature, reinforced the derogatory portrayals associated with the character.

It's important to understand that the portrayal of Jim Crow in minstrelsy was not only a form of entertainment but also a harmful cultural practice that perpetuated racial stereotypes and contributed to the normalization of racist attitudes.

Sambo, Golliwog, and pickaninny[edit]
Main articles: Sambo (racial term), Golliwog, and Pickaninny

The character Sambo was a stereotype of black men who were considered very happy, usually laughing, lazy, irresponsible, or carefree. The Sambo stereotype gained notoriety through the 1898 children's book The Story of Little Black Sambo by Helen Bannerman. It told the story of a boy named Sambo who outwitted a group of hungry tigers. This depiction of black people was displayed prominently in films of the early 20th century. The original text suggested that Sambo lived in India, but that fact may have escaped many readers. The book has often been considered to be a slur against Africans.

The character found great popularity among other Western nations, with the Golliwog remaining popular well into the twentieth century.[clarification needed] The derived Commonwealth English epithet "wog" is applied more often to people from Sub-Saharan Africa and the Indian subcontinent than to African-Americans, but "Golly dolls" still in production mostly retain the look of the stereotypical blackface minstrel.

The term pickaninny, reserved for children, has a similarly broadened pattern of use in popular American theater and media. It originated from the Spanish term “pequeño niño” and the Portuguese term “pequenino” to describe small child in general, but it was applied especially to African-American children in the United States and later to Australian Aboriginal children.

Black children as alligator bait[edit]
Main article: Alligator bait

A variant of the pickaninny stereotype depicted black children being used as bait to hunt alligators. Although scattered references to the supposed practice appeared in early 20th-century newspapers, there is no credible evidence that the stereotype reflected an actual historical practice.

Mammy[edit]
Main article: Mammy stereotype

Advertisement showing the commercial Aunt Jemima character with apron and kerchief, along with rag dolls, 1909

Clipping from May 29, 1910, issue of the Chicago Tribune reporting a move to build a "monument" to "Ol' Black Mammy" in Washington, D.C. The subhead mentions "the sentiment that clings to this picturesque character of antebellum days."

The Mammy archetype describes African-American women household slaves who served as nannies giving maternal care to the white children of the family, who received an unusual degree of trust and affection from their enslavers. Early accounts of the Mammy archetype come from memoirs and diaries that emerged after the American Civil War, idealizing the role of the dominant female house slave: a woman completely dedicated to the white family, especially the children, and given complete charge of domestic management. She was a friend and advisor.

Mandingo[edit]
The Mandingo is a stereotype of a sexually insatiable black man with a large penis, invented by white slave owners to advance the idea that Black people were not civilized but rather "animalistic" by nature. The supposedly inherent physical strength, agility, and breeding abilities of Black men were lauded by white enslavers and auctioneers in order to promote the slaves they sold. Since then, the Mandingo stereotype has been used to socially and legally justify spinning instances of interracial affairs between Black men and white women into tales of uncontrollable and largely one-sided lust. This stereotype has also sometimes been conflated with the 'Black brute' or 'Black buck' stereotype, painting the picture of an 'untameable' Black man with voracious and violent sexual urges.

The term 'Mandingo' is a corrupted word for the Mandinka peoples of West Africa, presently populating Mali, Guinea, and the Gambia. One of the earliest usages found dates back to the 20th century with the publication of Mandingo, a 1957 historical erotica. The novel was part of a larger series which presented, in graphic and erotic detail, various instances of interracial lust, promiscuity, nymphomania, and other sexual acts on a fictional slave-breeding plantation. In conjunction with the film Birth of a Nation (1915), white American media formed the stereotype of the Black man as an untamed beast who aimed to enact violence and revenge against the white man through the sexual domination of the white woman.

Sapphire[edit]
See also: Angry black woman

The Sapphire stereotype defines Black women as argumentative, overbearing, and emasculating in their relationships with men, particularly Black men. She is usually shown to be controlling and nagging, and her role is often to demean and belittle the Black man for his flaws. This portrayal of a verbally and physically abusive woman for Black women goes against common norms of traditional femininity, which require women to be submissive and non-threatening. During the era of slavery, white slave owners inflated the image of an enslaved Black woman raising her voice at her male counterparts, which was often necessary in day-to-day work. This was used to contrast the loud and "uncivilized" Black woman against the white woman, who was considered more respectable, quiet, and morally behaved.

The popularization of the Sapphire stereotype dates back to the successful 1928-1960 radio show Amos 'n' Andy, which was written and voiced by white actors. The Black female character Sapphire Stevens was the wife of George "Kingfish" Stevens, a Black man depicted as lazy and ignorant. These traits were often a trigger for Sapphire's extreme rage and violence. Sapphire was positioned as overly confrontational and emasculating of her husband, and the show's popularity turned her character into a stock caricature and stereotype.

This stereotype has also developed into the trope of the 'Angry Black Woman', overall portraying Black American women as rude, loud, malicious, stubborn, and overbearing in all situations, not only in their relationships.

Jezebel[edit]
The Jezebel is a stereotype of a hypersexual, seductive, and sexually voracious Black woman. Her value in society or the relative media is based almost purely on her sexuality and her body.

The roots of the Jezebel stereotype emerged during the era of chattel slavery in the United States. White slave owners exercised control over enslaved Black women's sexuality and fertility, as their worth on the auction block was determined by their childbearing ability, ie. their ability to produce more slaves. The sexual objectification of Black women redefined their bodies as "sites of wild, unrestrained sexuality", insatiably eager to engage in sexual activity and become pregnant. In reality, enslaved Black women were reduced to little more than breeding stock, frequently coerced and sexually assaulted by white men.

Post-emancipation, the sexualization of Black women has remained rampant in Western society. Modern-day Jezebels are pervasive in popular music culture; Black women more often appear in music videos with provocative clothing and hypersexual behaviour compared to other races, including white women. The Jezebel stereotype has also contributed to the adultification and sexualization of Black adolescent girls.

Tragic mulatta[edit]
A stereotype that was popular in early Hollywood, the "tragic mulatta," served as a cautionary tale for black people. She was usually depicted as a sexually attractive, light-skinned woman who was of African descent but could pass for Caucasian. The stereotype portrayed light-skinned women as obsessed with getting ahead, their ultimate goal being marriage to a white, middle-class man. The only route to redemption would be for her to accept her "blackness."

Uncle Tom[edit]
The Uncle Tom stereotype represents a black man who is simple-minded and compliant but most essentially interested in the welfare of whites over that of other blacks. It derives from the title character of the novel Uncle Tom's Cabin, and is synonymous with black male slaves who informed on other black slaves’ activities to their white master, often referred to as a "house Negro", particularly for planned escapes. It is the male version of the similar stereotype Aunt Jemima.

Black brute, Black Buck[edit]
Further information: Black Buck

Black brutes or black bucks are stereotypes for black men, who are generally depicted as being highly prone to behavior that is violent and inhuman. They are portrayed to be hideous, terrifying black male predators who target helpless victims, especially white women. In the post-Reconstruction United States, 'black buck' was a racial slur used to describe black men who refused to bend to the law of white authority and were seen as irredeemably violent, rude, and lecherous.

In art[edit]
From the Colonial Era to the American Revolution, ideas about African Americans were variously used in propaganda either for or against slavery. Paintings like John Singleton Copley's Watson and the Shark (1778) and Samuel Jennings's Liberty Displaying the Arts and Sciences (1792) are early examples of the debate under way at that time as to the role of black people in America. Watson represents an historical event, but Liberty is indicative of abolitionist sentiments expressed in Philadelphia's post-revolutionary intellectual community. Nevertheless, Jennings' painting represents African Americans in a stereotypical role as passive, submissive beneficiaries of not only slavery's abolition but also knowledge, which liberty had graciously bestowed upon them.

As another stereotypical caricature "performed by white men disguised in facial paint, minstrelsy relegated black people to sharply defined dehumanizing roles." With the success of T. D. Rice and Daniel Emmet, the label of "blacks as buffoons" was created. One of the earliest versions of the "black as buffoon" can be seen in John Lewis Krimmel's Quilting Frolic. The violinist in the 1813 painting, with his tattered and patched clothing, along with a bottle protruding from his coat pocket, appears to be an early model for Rice's Jim Crow character. Krimmel's representation of a "[s]habbily dressed" fiddler and serving girl with "toothy smile" and "oversized red lips" marks him as "...one of the first American artists to use physiognomical distortions as a basic element in the depiction of African Americans."

Crack addicts and drug dealers[edit]
Scholars agree that news-media stereotypes of people of color are pervasive. African Americans were more likely to appear as perpetrators in drug and violent crime stories in the network news.

In the 1980s and the 1990s, stereotypes of black men shifted and the primary and common images were of drug dealers, crack victims, the underclass and impoverished, the homeless, and subway muggers. Similarly, Douglas (1995), who looked at O. J. Simpson, Louis Farrakhan, and the Million Man March, found that the media placed African-American men on a spectrum of good versus evil.

Watermelon and fried chicken[edit]
Main articles: Watermelon stereotype and Fried chicken stereotype

There are commonly held stereotypes that African Americans have an unorthodox appetite for watermelons and love fried chicken. Race and folklore professor Claire Schmidt attributes the latter both to its popularity in Southern cuisine and to a scene from the film Birth of a Nation in which a rowdy African-American man is seen eating fried chicken in a legislative hall.

Welfare queen[edit]
Main article: Welfare queen

The welfare queen stereotype depicts an African-American woman who defrauds the public welfare system to support herself, having its roots in both race and gender. This stereotype negatively portrays black women as scheming and lazy, ignoring the genuine economic hardships which black women, especially mothers, disproportionately face.

Magical Negro[edit]
Main article: Magical Negro

See also: John Henryism

The magical Negro (or mystical Negro) is a stock character who appears in a variety of fiction and uses special insight or powers to help the white protagonist. The Magical Negro is a subtype of the more generic numinous Negro, a term coined by Richard Brookhiser in National Review. The latter term refers to clumsy depictions of saintly, respected or heroic black protagonists or mentors in US entertainment.

Race, Gender, and Class Intersectionality in Education
Race, Gender, and Class Intersectionality is a theoretical framework that originated from feminist scholarship and critical race theory, emphasizing the interconnectedness of social categories such as race, gender, and class. In the context of education, this framework posits that these identities intersect and influence individual experiences within educational institutions, shaping opportunities, experiences, and outcomes.

Interracial relationships[edit]
Oftentimes, black women's opinions are not heard in studies that examine interracial relationships. Black women are often assumed to be just naturally angry. However, the implications of black women's opinions are not explored within the context of race and history. According to Erica Child's study, black women are most opposed to interracial relationships.

Since the 1600s, interracial sexuality has represented unfortunate sentiments for black women. Black men who were engaged with white women were severely punished. However, white men who exploited black women were never reprimanded. In fact, it was more economically favorable for a black woman to birth a white man's child because slave labor would be increased by the one-drop rule. It was taboo for a white woman to have a black man's child, as it was seen as race tainting. In contemporary times, interracial relationships can sometimes represent rejection for black women. The probability of finding a "good" black man was low because of the prevalence of homicide, drugs, incarceration, and interracial relationships, making the task for black women more difficult.

As concluded from the study, interracial dating compromises black love. It was often that participants expressed their opinions that black love is important and represents more than the aesthetic since it is about black solidarity. "Angry" black women believe that if whites will never understand black people and they still regard black people as inferior, interracial relationships will never be worthwhile. The study shows that most of the participants think that black women who have interracial relationships will not betray or disassociate with the black community, but black men who date interracially are seen as taking away from the black community to advance the white patriarchy.

"Black bitch"[edit]
The "black bitch" is a contemporary manifestation of the Jezebel stereotype. Characters termed "bad black girls," "black whores," and "black bitches" are archetypes of many blaxploitation films produced by the Hollywood establishment.

Strong black woman[edit]
The "strong black woman" stereotype is a discourse through that primarily black middle-class women in the black Baptist Church instruct working-class black women on morality, self-help, and economic empowerment and assimilative values in the bigger interest of racial uplift and pride (Higginbotham, 1993). In this narrative, the woman documents middle-class women attempting to push back against dominant racist narratives of black women being immoral, promiscuous, unclean, lazy and mannerless by engaging in public outreach campaigns that include literature that warns against brightly colored clothing, gum chewing, loud talking, and unclean homes, among other directives. That discourse is harmful, dehumanizing, and silencing.

The "strong black woman" narrative is a controlling image that perpetuates the idea it is acceptable to mistreat black women because they are strong and so can handle it. This narrative can also act as a silencing method. When black women are struggling to be heard because they go through things in life like everyone else, they are silenced and reminded that they are strong, instead of actions being taken toward alleviating their problems.

Independent black woman[edit]
See also: B.A.P.S.

The "independent black woman" is the depiction of a narcissistic, overachieving, financially successful woman who emasculates black males in her life.

Black American princess[edit]
See also: Black American princess

Athleticism[edit]
See also: Race and sports § "Black athletic superiority"

Blacks are stereotyped as being more athletic and superior at sports than other races. Even though they make up only 12.4 percent of the US population, 75% of NBA players and 65% of NFL players are black. African-American college athletes may be seen as getting into college solely on their athletic ability, not their intellectual and academic merit.

Black athletic superiority is a theory that says blacks possess traits that are acquired through genetic and/or environmental factors that permits them to excel over other races in athletic competition. Whites are more likely to hold such views, but some blacks and other racial affiliations do as well.

Several other authors have said that sports coverage that highlights "natural black athleticism" has the effect of suggesting white superiority in other areas, such as intelligence. The stereotype suggests that African Americans are incapable of competing in "white sports" such as ice hockey and swimming.

Intelligence[edit]
See also: Race and intelligence

Following the stereotypical character archetypes, African Americans have falsely and frequently been thought of and referred to as having little intelligence compared to other racial groups, particularly white people. This has factored into African Americans being denied opportunities in employment. Even after slavery ended, the intellectual capacity of black people was still frequently questioned.

Stephen Jay Gould's book The Mismeasure of Man (1981) demonstrated how early 20th-century biases among scientists and researchers affected their purportedly objective scientific studies, data gathering, and conclusions which they drew about the absolute and relative intelligence of different groups and of gender and intelligence.[citation needed]

Media[edit]
Further information: Representation of African Americans in media

Early stereotypes[edit]
Early minstrel shows of the mid-19th century lampooned the supposed stupidity of black people.[citation needed] Even after slavery ended, the intellectual capacity of black people was still frequently questioned. Movies such as Birth of a Nation (1915) questioned whether black people were fit to run for governmental offices or to vote.

Some critics have considered Mark Twain's Adventures of Huckleberry Finn as "racist" because of its depiction of the slave Jim and other black characters. Some schools have excluded the book from their curricula or libraries.

Stereotypes pervaded other aspects of culture, such as various board games that used Sambo or similar imagery in their design. An example is the Jolly Darkie Target Game in which players were expected to toss a ball through the "gaping mouth" of the target in cardboard decorated using imagery of Sambo.

Other stereotypes displayed the impossibility of good relations between black and white people, instilling the idea that the two races could never coexist peacefully in society. The intent was to lead audiences to the conclusion of the proper solution to remove blacks from American society entirely.

Film and television[edit]
See also: African-American representation in Hollywood

In film, black people are also shown in a stereotypical manner that promotes notions of moral inferiority. For female movie characters specifically, black actresses have been shown to use vulgar profanity, be physically violent, and lack overall self-control at a disproportionately higher rate than white actresses.

African-American women have been represented in film and television in a variety of different ways, starting from the stereotype/archetype of "mammy" (as is exemplified the role played by Hattie McDaniel in Gone with the Wind) drawn from minstrel shows, through to the heroines of blaxploitation movies of the 1970s, but the latter was then weakened by commercial studios. The mammy stereotype was portrayed as asexual while later representations of black women demonstrated a predatory sexuality.

Sports[edit]
Further information: Race and sports

In Darwin's Athletes, John Hoberman writes that the prominence of African-American athletes encourages a lack of emphasis on academic achievement in black communities. Several other authors have said that sports coverage that highlights "natural black athleticism" has the effect of suggesting white superiority in other areas, such as intelligence. Some contemporary sports commentators have questioned whether blacks are intelligent enough to hold "strategic" positions or coach games such as football.

In another example, a study of the portrayal of race, ethnicity, and nationality in televised sporting events by the journalist Derrick Z. Jackson in 1989 showed that blacks were more likely than whites to be described in demeaning intellectual terms.

Criminal stereotyping[edit]
Main article: Criminal stereotype of African Americans

According to Lawrence Grossman, former president of CBS News and PBS, television newscasts "disproportionately show African Americans under arrest, living in slums, on welfare, and in need of help from the community." Similarly, Hurwitz and Peffley wrote that violent acts committed by a person of color often take up more than half of local news broadcasts, which often portray the person of color in a much more sinister light than their white counterparts. The authors argue that African Americans are not only more likely to be seen as suspects of horrendous crimes in the press but also are interpreted as being violent or harmful individuals to the general public.

Mary Beth Oliver, a professor at Penn State University, stated that "the frequency with which black men specifically have been the target of police aggression speaks to the undeniable role that race plays in false assumptions of danger and criminality." Oliver additionally stated that "the variables that play contributory roles in priming thoughts of dangerous or aggressive black men, are age, dress, and gender, among others which lead to the false assumptions of danger and criminality."

Social media[edit]
In 2012, Mia Moody, assistant professor of journalism, public relations and new media in Baylor's College of Arts and Sciences, documented Facebook fans' use of social media to target US President Barack Obama and his family through stereotypes. Her study found several themes and missions of groups targeting the Obamas. Some groups focused on attacking his politics and consisted of Facebook members who had an interest in politics and used social media to share their ideas. Other more-malicious types focused on the president's race, religion, sexual orientation, personality, and diet.

Moody analyzed more than 20 Facebook groups/pages using the keywords "hate," "Barack Obama," and "Michelle Obama." Hate groups, which once recruited members through word of mouth and distribution of pamphlets, spread the message that one race is inferior, targeted a historically oppressed group, and used degrading, hateful terms.

Hip hop music[edit]
Further information: Misogyny in rap music

Hip hop music has reinforced stereotypes about black men. Exposure to violent, misogynistic rap music performed by African American male rappers has been shown to activate negative stereotypes towards black men as hostile, criminal and sexist. Hip hop portrays a stereotypical black masculine aesthetic and has stereotyped black men as hypersexual thugs and gangsters who hail from an inner city gehtto. Listening to this misogynistic and violent Hip hop has effects on African American Men and their cognitive performance. They perform worse in tests resembling the Graduate Record Examination, after listening to this kind of music compared to white men under the same conditions. African-American women are degraded and referred to as “bitches” and “hoes” in rap music. African-American women are over-sexualized in modern hip hop music videos and are portrayed as sexual objects for rappers. Over-sexualization of African American women in Rap music videos may have health implications for viewers of such videos. In a survey study, adolescent African American women watching Rap videos and perceiving them to contain more sexual stereotypes were more likely to binge drink, test positive for marijuana and have a negative body image.

Racial Profiling Stereotype

African Americans may be stereotyped as more likely to engage in criminal activities, leading to racial profiling and unwarranted suspicion. Treyvon Martin, a 17-year-old African American, was fatally shot by George Zimmerman, a neighborhood watch volunteer, in Sanford, Florida. Zimmerman had reported Trayvon as suspicious, and despite being told by a dispatcher not to follow him, Zimmerman confronted Trayvon, leading to a physical altercation that resulted in Trayvon's death. Zimmerman was acquitted of second-degree murder charges. Along side with many others.

Racial Profiling Stereotype
The racial profiling stereotype unfairly targets African Americans, rooted in historical biases and perpetuated by media narratives. This article delves into its historical context, media influence, and the consequential impact on African American communities. Media portrayal, both in crime reporting and fictional content, contributes to biased perceptions of African Americans, impacting law enforcement's implicit biases. Michal Brown Missouri, in 2014. Michael Brown, an unarmed African American teenager, was fatally shot by a white police officer, Darren Wilson. The media coverage of this incident played a crucial role in shaping public perception. Initial reports often focused on aspects of Michael Brown's appearance and portrayed him as a potential threat, contributing to biased views and sparking protests against racial profiling and police brutality.

Financial Dependency Stereotype
A financial dependant is anyone who relies on you financially for things like money, clothes or food. This might include children, relatives, spouses or friends.

The financial dependency stereotype perpetuates the misconception that African Americans are disproportionately reliant on welfare or government assistance programs, reinforcing negative perceptions about economic self-sufficiency within this community. This stereotype has deep historical roots and has been perpetuated through various mediums, including media, political discourse, and societal narratives.

Credit Card Debt and Income Disparities
African American households in the United States contend with distinct financial challenges, as highlighted by a survey conducted by MassMutual. The survey reveals that 68 percent of African American households carry credit card debt, surpassing the national average of 56 percent. Despite the debt amount being approximately $10,615, comparable to the broader population, the ability to repay is hindered by lower average income.

According to the survey, the average household income for African American families is $109,996, a figure slightly higher than that reported by Hispanic households ($107,801). In contrast, Caucasian households report an average income of $123,795, Koreans $138,357, Chinese $146,784, and Asian Indians $154,759.

Prioritizing Expenses and Student Loan Burden
The financial strain on African American households is further underscored by the fact that 37 percent of black respondents expressed the need to prioritize day-to-day expenses over saving for the future. Additionally, 32 percent conveyed a desire for greater control over their finances.

In addition to credit card debt, the survey reveals that 46 percent of African American families carry student loan debt. Although considered "good debt" with the potential for higher future earnings, it simultaneously diminishes disposable income during the repayment years. This contrasts with 27 percent of both Hispanic and Caucasian households, 16 percent of Korean households, and 10 percent of Chinese households that bear student loan debt. Asian Indian households have the lowest prevalence at 8 percent.

These disparities underscore the intersectionality of race and financial challenges, shedding light on the economic hurdles faced by African American households in comparison to their counterparts.