[longtermmemmory]

A few of those ivy league schools have so much endowment income that they don’t NEED to charge tuition. With grants and scholarships how can they have student loans?

[Oceander]

Easy, just take the refrain from that old song by Big Bill Broonzy:

If you is white, you's alright, if you's brown, stick around, but if you's black, hmm, hmm, brother, get back, get back, get back.

transpose the words "white" and "black" and there you have it. Of course, to be comprehensive, you could also stick in a gender component as well, perhaps a second line like "If you a girl, give it a whirl, but if you a guy, good-bye." (as should be obvious from even this bit of doggerel, I couldn't write a song to save my life).