Each year, millions of college students borrow money to help bridge the gap between college costs and available income, savings, and grants. Experts all 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 student loan program, "preventing their students from taking advantage of them." Without access to affordable student loans, students who cannot afford school after available grants and scholarships are left between a rock and a hard place. In this fourth assessment of federal student loan participation at community colleges across the country, this issue brief presents national averages and state-by-state data for 2013-14, takes a deeper look at activity in North Carolina and California since 2010-11, and reviews changes in Georgia. This brief includes: recommendations; methodology; and the appendix: "Participation Rate Index (PRI) Worksheet."