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This paper explores the experiences of 15 Black British (BB) and 18 Black African American (BAA) students at two universities in the UK and USA. In this paper we examine how Bourdieu’s (1984) concepts of cultural and social capital affect students’ decisions and inform their choices during their final year of under graduate study. We argue that despite access to cultural and social capital associated with a successful higher education, many Black students cited their fears of exclusionary racist practices, and fear of incurred debt would be a source of disadvantage when making future decisions. Students who had greater access to financial capital were more likely to have greater options available to them after graduation.