California’s San Bernardino and Riverside counties have a population of 4.6 million and the lowest academic attainment rate of any metropolitan area with more than 1 million people. Only 19 percent of adults over age 25 have a bachelor’s degree.

Eighty percent of the students at California State University, San Bernardino, where Tomás D. Morales serves as president, are the first in their family to earn a degree.

TIAA spoke with him about his work.