Good stuff OP. Though I will say this I wish there was data for how much debt parents have due to the parent plus loans once the kids graduate (this for HBCUs and PWIs/HWCs).
Cause I personally know parents that took out them predator parent plus loans to send kids to Howard, Spellman and Xavier. Lets just say they basically took out parent plus loans equivalent to a brand new fully loaded Escalade at post Covid prices for them 4 plus years of college for their kid.
Unless kids get private loans they can't get but like $5,500 in Stafford loans the first year and a small bump each year after. So if you college is like Xavier which is basically 40K plus a year (once you add books, meal plan, tuition, dorm cost, and fees) that $5,500 in loans for that one year ain't doing shyt to the 40K tuition. And then even the grant money if you qualify ain't but a 2k to 4k for the year. So we looking at 30K plus difference that mom or dad has to help make up.