Just FYI, there are some really unfortunate but good reasons why tribal land has no equity and is unable to be used as collateral. For something to have value, there needs to be an interested seller and an interested buyer - but if reservation land is sold, it leaves the hands of the tribe and just becomes regular old white people land. We'd like tribal members to have access to that equity to use as collateral for debt... but we also don't want to disintegrate the reservations. There are good reasons for tribal land to be non-transferable, and we really shouldn't change that - however, there have been proposals for the government issuing uncollateralized loans as a form of reparations that are extremely interesting.