The annual gathering of the rich and powerful at the World Economic Forum has never delivered much of value, so you’re not missing anything.

Credit cards nearly landed me in bankruptcy. But bailouts aren’t for me. I took a pass on iPhones, flat-screen TVs and fancy laptops and pulled my finances back from the brink.

Several HBCUs are introducing a new program called Banking on Our Future: College Edition. The program aims at breaking the devastating crisis of financial illiteracy in people of color and is clear proof that HBCUs are beginning to talk in the ‘language of money.’