Every year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts agree that, for those who need to borrow to pay for college, federal student loans are the safest and most affordable option. Unfortunately, some colleges choose not to participate in the federal…

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…