First, think you for a proper reply.

By the time they became equal everything was owned and they were already cast into poverty.

What about all the immigrant families from the 1900s? By the time they moved over "everything" was owned and they too were cast into poverty. There seems to be a belief that if your skin color is white, you are immeditatly have generational weatth, when that simply is not true.

Honestly they deserve reparations.

How do you figure that out? There're blacks finding on out one of their grandparents decended form slaves owners. Do they have to pay reparations, do they get half reparations? What about an immigrant who moved from Europe 20 years ago, do they pay reparations too? How about the Asians who were forced into internment camps during ww2, (they seem to doing alright after 80 years). Unfortunatly, I don't see any way to figure out "who deserves what". Frankly, if a child isn't responsible for their parents crimes, why are whites being asked to take responsibitly for their great-great-great-great grandparents crimes? I will say, current communities (mostly the poor urban ones) deserves a lot of reparations from the politioms that are failing them, not the average white Joe.

They deserve as much help as we can give them.

The gov. needs to fix how we are giving people help. It seems that current help doesn't actually encourage independent finical success. They way the aid is handed out based on income, a lot of people find they get less money than if they did work or got a raise. Let's say the gov gives you 1k a month, you make federal min wage $7.25, work 40hrs and make $290 a week. Your total for the month(4weeks) is $2160 (pre-tax). That's a fair amount. Let's say get a raise, to $10, that $400 a week, but because your making more your aid also decreases. You're making $440 more, it seems fair to drop your aid to $700 a month, so now your taking home $2300. That's a nice increase, until you account for taxes. That aid isn't taxed like wages, if at all. A lot of times, after taxes, an increase in wage and decrease in aid results in less going to the bank. Who is going to work for a better job, if they can just keep getting their free aid and make more money?

they qualify for college just they wouldn't get accepted because the institution is racist

Stop asking about physical characteristics on the application, and even if some old white racists is in charge of it, they won't know. Acception is based on merits, if certain communities are denied more often because they do not meet the merit based requirments, we need to look at the way underfunded primary education/childhood not the university.

With out the help the kids will have to potentially put their family at risk with huge loans.

That's a problem across all races, not just blacks or disadvantaged one. My parents didn't even qualify for the the family loans because their income was too low, yet I didn't qualify for any income based scholarships, my skin was the wrong color for those ones. Just got some financial aid, a mountain of debt and a few small merit based scholarships.