A college education offers the best opportunity many low-income Americans have of obtaining employment that will allow them to earn a middle-class standard of living. But in the midst of the credit crisis, several lenders in the Federal Family Education Loan Program (FFELP) have begun to discontinue their lending to schools that disproportionately serve these students, including two-year colleges and four-year colleges with graduation rates below the national average. The Federal Family Education Loan Program is a public-private partnership between the federal government and private lenders to guarantee low-interest loans for higher education to students and families. The Preventing Student Loan Discrimination Act addresses the problem, by forbidding lenders that receive federal subsidies on loans under the FFELP program from discriminating against otherwise eligible students loans based on the college they attend, the length of their college program or their year in school. In particular, the act aims to ensure lenders do not single out low-income or 2-year college students.