With Americans increasingly having to borrow to pay for college, a new report from The Institute for College Access & Success (TICAS) finds that nearly one million community college students cannot get federal student loans because their school chooses not to offer them. Without access to federal student loans, students may not be able to stay enrolled without turning to more costly and risky forms of borrowing such as credit cards or private loans, or reducing their chances of graduating by working longer hours or cutting back on classes.