The biggest obstacle facing Indigenous students completing college degrees is cost, according to a new collaborative study by the National Native Scholarships Providers.

Melvin Monette, president and CEO of Indigenous Educators, said most students take on debt to pay for postsecondary education, which comes at a high cost to tribal communities. Jobs paying enough for graduates to repay their loans and support families are in short supply.

"Having that student loan debt over your head either means that you are continuously looking for those opportunities to pay it off, or you don't get to move home," Monette explained. "You are further away from where you want to be, where the family is, where your culture is, where your traditional practices are."

The report's recommendations include continued investment by governments and the private sector in scholarship organizations such as Indigenous Educators, tuition support, and supportive partnerships. For example, Colorado, Kansas, Minnesota, Montana and South Dakota now offer tuition-waiver programs to all students from federally recognized tribal nations.

Just 36% of Indigenous students enrolled in four-year colleges in 2014 completed degrees, compared with a 60% graduation rate for all other students. Lifetime earnings are much higher for people with college degrees.

Cheryl Crazy Bull, president and CEO of the American Indian College Fund, pointed to one study which found graduates also score better on multiple quality-of-life indicators.

"Their well-being characteristics were excellent," Crazy Bull noted. "I think not only is it about earnings and a career pathway, but it's also about a better quality of life generally."

State officials estimate 75% of Colorado jobs paying a living wage require some form of postsecondary education.

Monette stressed more can be done to help families fill out the federal Financial Aid Form, which is required by many colleges before releasing need-based scholarships and grants, especially for students who are the first in their family to attend college.

"How to navigate those buildings, how to navigate those processes, how to navigate all the paperwork involved," Monette outlined. "Everything that goes along with the regular college experience, we're still learning how to navigate."

Support for this reporting was provided by Lumina Foundation.

Native American tribal communities and conservation groups got a big win Wednesday as President Joe Biden announced he intends to create a new national monument in Southern Nevada.

Avi Kwa Ame, also known as Spirit Mountain, sprawls across 450,000 acres near Laughlin.

Ashley Hemmers, administrator for the Fort Mojave Indian Tribe, said the area is the Yuman-speaking tribes' holiest site.

"My grandmother is in her late 80s," Hemmers remarked. "I went to her house to go watch it with her, and we were both in tears because we didn't know that this could be possible that we would be able to save the point of our creation; to make sure that it's respected and honored beyond us."

The Fort Mojave tribe has been working on the issue for thirty years. Conservation groups prize the area because it is a crucial piece of the puzzle connecting wildlife migration routes used by bighorn sheep, desert tortoise and mule deer.

The revelation Avi Kwa Ame is now a done deal came in a speech Biden made to the White House Tribal Nations Summit, which ends today.

"When it comes to Spirit Mountain, the surrounding ridges and canyons in Southern Nevada, I'm committed to protecting this sacred place that is central to the creation story of so many tribes that are here today," Biden said.

As part of the Tribal Nations Summit, the administration announced more than a dozen new initiatives to strengthen Indian Country. The Interior Department has not yet announced the date for a formal ceremony to designate the new Avi Kwa Ame National Monument.

The Center for Rural Affairs is launching collaborative work spaces on Nebraska Indian Community College campuses in Macy and Santee for making, learning, exploring and sharing.

The "Makerspaces" will include traditional, low-tech tools, and also significant investments in cutting-edge technologies.

Kristine Flyinghawk, native communities manager at the Center for Rural Affairs, said among other tools available to students and tribal members, the program is especially excited to install a Glowforge.

"It can engrave and cut anything from wood to leather to glass," Flyinghawk pointed out. "Then we have the new Cricut 3 Maker, which can make up to a 12-foot vinyl sign. We will have a sublimation printer."

Flyinghawk explained a sublimation printer can print images on just about anything, from cups to coozies to keychains. The Center will also install a T-shirt press, a sticker and button maker, a sewing machine, an embroidering machine and a quilting machine. Workshops will help people get hands-on experience with each new tool.

The Makerspace also aims to facilitate experimentation, where people can test out new ideas for a side hustle or a full-on business.

Angelina Magerl, community foods associate at the Center for Rural Affairs, said financial support and expert guidance for creating a business plan will also be available to help people realize their goals.

"It gives you that step-by-step process in seeing what realistically -- like time-wise, money-wise -- what you can do," Magerl emphasized. "With a business plan, it kind of lays it all out for you, what needs to be done, and what the outcome is of having accomplished that in your plan."

Flyinghawk noted in addition to workshops the Makerspace will also offer open hours, where people can spend time with people from all ages and walks of life, to share skills, and learn traditions which have been passed down.

"They can still come and bring their beadwork, or whatever kind of project that they are working on, if they want to work in a shared space with others and have that fellowship and community," Flyinghawk added.

Native American women in Arizona are getting a chance to launch their own businesses, with expert advice.

Project DreamCatcher is a unique, free initiative for Native American women entrepreneurs. In the intensive, one-week program, they're exposed to MBA-level business classes at Arizona State University's Thunderbird School of Global Management.

Last month, 21 women graduated from the program. The current cohort began Sunday, November 13.

Cherolyn Vanwinkle, graduate of Project DreamCatcher and co-owner of AZ Native Mobile Diesel Truck and Trailer Repair, said the program has been instrumental for her, in a predominantly male-run field.

"I feel like this program just really helped me push my fears aside," Vanwinkle explained. "I wasn't fearful before, but it was just more I was sitting back and letting the world take me over. But now, I feel like I'm finally in control."

Participants have access to graduate-level courses, coaching and advising sessions with business professionals, and networking activities designed to foster confidence in starting or growing a business. According to project leaders, the last cohort graduated 67 women, who have started 30 businesses in Arizona.

Vanwinkle previously worked in the medical field and said she didn't know much about what it took to run a mechanic business. But she has taken her skills and experience and used them in new ways in her new company. She acknowledged one of the most overwhelming parts of the journey was knowing where to begin, but DreamCatcher helps participants devise a plan.

"They had a professor come in and talk to us about how to understand revenues, expenses, gross profits, salary sheets, cash flow and owner's equity," Vanwinkle outlined. "Those are large words for some of us that didn't go to business school."

Vanwinkle added having a support system as a new a business is fundamental. She encouraged the next women who enroll in Project DreamCatcher to be open-minded, ask questions and use the resources available to them.

According to the U.S. Census Bureau, American Indian and Alaska Native-owned businesses contributed more than $39 billion to the economy last year, but make up only 1% of all firms.