The purpose of this qualitative study was to explore the experiences of first-generation Black women who completed at least a bachelor's degree without student loans. While Black women are most burdened by student loan debt, little is known about the experiences of those who navigate college without accruing student loans. Combining endarkened feminist epistemology with the family financial socialization model, I developed the endarkened financial socialization model to guide this inquiry. Using endarkened narrative inquiry, I engaged eight first-generation Black women who completed college without student loan debt in semi-guided conversations about the financial messages they received growing up and how those messages impacted their experience navigating college without student loans. Findings from this endarkened narrative inquiry revealed five themes: a) the importance of community; b) incomplete financial education, c) fear of student loans; d) hustle mentality; and e) pride and regret. [The dissertation citations contained here are published with the permission of ProQuest LLC. Further reproduction is prohibited without permission. Copies of dissertations may be obtained by Telephone (800) 1-800-521-0600. Web page: http://bibliotheek.ehb.be:2222/en-US/products/dissertations/individuals.shtml.]