Circles of Trust, Walls of Debt: What African Rotating Credit Traditions Reveal About America's Student Loan Catastrophe
Across West Africa and its diaspora, rotating savings and credit associations have sustained communities for centuries through mutual accountability and transparent obligation. As America's student debt burden surpasses $1.7 trillion, financial reformers are asking a pointed question: what might a system built on collective trust — rather than institutional extraction — actually look like? The answers, it turns out, have been hiding in plain sight.