Education Department official says Americans have low expectations for minority students.
For students of color, pursuing higher education is often impossible without taking out larger-than-average loans along the way.
Major gaps in student-loan borrowing persist between black and white college students.
As the young demographic grows, public-private partnerships are working to place Hispanic millennials in one of the country's fastest-growing fields.
In a preview of national trends, Houston's fastest growth is among lower-income, minority households.