Dignity and Debt logo
A global network of scholars advocates, and financial organizations working to understand and empower the linkages between lending and human values.

Why Dignity?

Two men shaking hands in a field
Loans enable people to realize their visions of a good life, yet many families across the globe are falling into life-altering debt. Worried that they will forever be enslaved by it, some parents have trouble sleeping and their health and relationships diminish. Debt affects their ability to help loved ones live with dignity, whether they be children or aging parents with inadequate resources. Further, debt can reduce self-esteem, motivation, and capacity to participate effectively in civic life and financial institutions. Financial propositions that lack a vision of dignity treat people like robotic quantities, occluding the very moral values that give financial sacrifices meaning.

Latest Updates

Student Debt and Racial Disparities

View a series of original data visualizations exploring facets of student loan debt, created in homage to W.E.B. Du Bois.

Student Loan Debt Calculator

Use this interactive tool to calculate your student debt, compare it with various demographic groups, and explore options for refinancing.

Student Debt and Dignity Visualization Contest

Enter and help envision a meaningful future of financial autonomy and educational inclusion around the world.


Faculty Book: Frederick Wherry *04 on Extending Credit

For many borrowers, obtaining a home mortgage, car loan, or credit card is a relatively simple process. A bank looks up their credit score — measured on a scale of 300 to 850 — to determine their past financial behavior. For some 45 million Americans, however, that assessment is not possible.


In collaboration with

Princeton Unviersity logo
Princeton Institute for International and Regional Studies logo
Social Science Research Council logo
Social Science Research Council logo
MasterCard Center for Inclusive Growth logo