Although default rates have decreased in recent years, community colleges still struggle to keep their rates in check: 18.5 percent of borrowers from public two-year colleges default within three years compared to the national average rate of 11.3 percent. In 2015, the Association of Community College Trustees (ACCT) published "A Closer Look at the Trillion: Borrowing, Repayment, and Default at Iowa's Community Colleges" (ED611020), a report that highlighted the borrowing and repayment trends of community college students in Iowa. This report builds on this body of research by analyzing data from the community and technical college systems in Kentucky and Louisiana. The authors find similar trends in all three states with some notable differences, which may reflect how borrowers are responding to federal student loan repayment options. The report outlines broad policy recommendations that can help ease the burden of student loan repayment for all federal student loan borrowers. [The Louisiana Community and Technical College System and the Kentucky Community and Technical College System partnered with the Association of Community College Trustees (ACCT).]