IDR involvement may differ across the demographic groups, that have female and consumers off colour getting very likely to enroll. This type of conclusions service narratives one to IDR might be a significant social safety net for ladies, and develop the discussion to begin with alot more carefully offered exactly how IDR may be involved because of the individuals of color. 8 Considering the raised personal debt a lot of borrowers out of colour and you may this new really-situated systemic cons he’s got long faced in america, the speed and you can affects out-of enrollment from inside the IDR to possess individuals from colour can be worth further studies and may qualify within the arguments from the IDR modification. 9