Of course this is my opinion and I have little research the back it up, but I have seen that most college-educated and graduated African American women that are in the workforce work for reasons more that just only making money... Many of them could be single parents with 1 or more children to rear...
Employers do look at that for providing increases in pay--i.e. based on a person's life situation--does he or she have a family to support?
Most out of college grads that have not gone into the military afterward, or go to graduate/professional schools but decide to get jobs may or may not have a huge difference in pay, hence the reasoning in finding a secondary job to pay the differential...
For those of you on student loans, how long do you have before you have to pay them back after graduation? Just asking.
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