Skip to main content
Home

Main navigation

  • About CRL
    • Staff
    • Board of Directors
    • FAQs
    • Careers
    • Impact
  • Issues
    • Consumer Finance
    • Debt Collection & Settlement
    • Mortgage Lending
    • Overdraft Fees
    • Payday and Other Small Dollar Loans
    • Small Business
    • Student Loans
  • Research & Policy
  • Newsroom
    • CRL in the News
    • Press Releases
  • Contact Us
  • Search
  • Donate

Main menu

  • About CRL
    • Staff
    • Board of Directors
    • FAQs
    • Careers
    • Impact
  • Issues
    • Consumer Finance
    • Debt Collection & Settlement
    • Mortgage Lending
    • Overdraft Fees
    • Payday and Other Small Dollar Loans
    • Small Business
    • Student Loans
  • Research & Policy
  • Newsroom
    • CRL in the News
    • Press Releases
  • Contact Us
  • Search
  • Donate

Breadcrumb

  1. Home
  2. About Us
  3. Staff

Lucia Constantine ‌

Lucia Constantine Cropped Aug2022

Researcher

Lucia Constantine is a researcher at the Center for Responsible Lending focusing on mortgage lending and predatory debt practices. Prior to working with CRL, Lucia was a senior policy analyst at the North Carolina Housing Finance Agency, where she performed data analysis and research to understand gaps in affordable housing across the state and inform use of state and federal funds. Before her work in affordable housing, she spent her early career in nonprofits and higher education, focused on issues related to immigration, civic engagement and economic development.

She graduated with a B.A. in Human Biology from Stanford University and a Master’s in City and Regional Planning from the University of North Carolina-Chapel Hill, where she received the NC-APA Outstanding Student Award. She is on the board for the Durham Community Land Trust and the City of Durham’s Affordable Housing Implementation Committee. Outside of work, Lucia enjoys hiking with her dog, reading fiction and socializing.

Research & Policy

Tuesday, November 1, 2022

“Paying from the Grave”: Historically Black Colleges and Universities (HBCU) Alumni and the Burden of Student Loan Debt

More than 44 million people in the United States—roughly one in six adults—collectively hold more than $1.6 trillion in federal student loan debt. Although many Americans are burdened by their student loan debt, borrowers who attended Historically Black Colleges and Universities (HBCUs) have been especially hard hit, due to the impacts of systemic racism on wealth accumulation for families and unequal resource distribution among institutions. Carrying student debt makes it difficult for many HBCU graduates to engage in wealth-building activities like purchasing a home or investing for...
Research
Student Loans

News

Wednesday, August 23, 2023

CRL Survey: Earned Wage and Digital Cash Advance Users Pay Fees and Tips and Take Multiple Advances to Cover Basic Living Expenses

Tuesday, November 1, 2022

Student Loan Debt Plagues HBCU Students, Prevents Wealth Building, According to New Report

Support CRL

CRL circle

CRL operates on contributions from individuals and institutional funders. 

Donate Now 

Thank you for your support!

© 2023 Center for Responsible Lending. 
All rights reserved. 

Center for Responsible Lending 
302 West Main Street, 
Durham, NC 27701 
(919) 313-8500 

District of Columbia Office 
910 17th Street NW, Suite 800, 
Washington, DC 20006 
(202) 349-1850 

California Office 
1970 Broadway Suite 350, 
Oakland, CA 94612 
(510) 379-5500

Join Our Mailing List  
Sign up for updates on the fight against predatory lending.

Join a Mailing List

Building on Over 40 Years of Lending Experience

CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

CRL is an affiliate of Self-Help, one of the nation’s largest nonprofit community development financial institutions. Our work leverages the strength of partnerships with national and local consumer and civil rights organizations.

Stay Connected

‌‌‌‌

Footer menu

  • Home
  • About CRL
  • Issues
  • Research & Policy
  • Newsroom