BALTIMORE, MD(WEAA) — Black homeownership is on the decline and Department of Housing and Urban Development (HUD) Secretary Marcia Fudge says student loan debt is a major factor. During an interview for " Axios on HBO ," Fudge said, "Who has student debt?... Poor people, Black people, brown people. We're the people who carry the most debt. And so the system's already skewed toward us not being creditworthy". Susan M. Ifill, Executive Vice President and Chief Operating Officer with NeighborWorks