do young black consumers have more bills than others. of course if someone earns less money then debt is easier to acquire. it becomes harder to pay off creditors because you are strapped for cash. more cash in the bank means less stress. the bills gets paid on time, problem solved. i would not assume all young black people are poor or have money problems. poverty is a common problem in the ghetto & can affect anyone. i also believe the "poor" are more vulnerable to thieves, predators and scams. the better educated you are in financial matters the more you can fight back to stop fraud.