This dissertation, which is highly relevant to education, examines Black educators' life experiences with student loan debt. It provides insight into the impact of student debt and how these experiences shape their interactions with Black students. Using their narratives, this study serves as a self-reflective journey, bringing the reader closer to the culture of Black educators within the public school system. Autoethnography, emphasizing interpreting and reflecting on the subjects, allowed the researcher to immerse themselves into the Black educators' experience. The frameworks of Black Feminist Thought and Racial Opportunity Cost were used. Chapter I discusses the student loan debt problem, defines the term Black excellence for this research study, and introduces the research questions. Chapter II provides an overview of the literature regarding financing higher education, educator debt, and the racial, gender, and career gaps in the literature. Chapter III outlines the methods used to address the research questions. Chapter IV provides the narratives of Black educators. Chapter V provides the themes. Chapter VI offers conclusions and recommendations for school counselors working with Black students interested in the education profession. [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.]