As the price of secondary education continues to rise, many students are left with the burden of how to pay for their education. Because more women go to college, it's important to understand how this debt burden impacts their health. The purpose of this research was to determine the impact of debt on stress and anxiety in Black females attending a Historically Black College and University. Using the socioecological model as a guide, findings reported that factors contributing to their stress were loan repayment, financial assistance and education, and future educational expenses. How universities can use these findings are discussed.