"While Congress bickers over how to fix the financial meltdown, there's a decent chance you haven't even felt it," Time reports. "Why, you may be asking yourself, does everyone think there's such a big a problem when you're still being offered credit cards in the mail and 0% financing at the car dealership? Maybe you used to bank with Washington Mutual or Wachovia and overnight you've become a Chase or Citi customer, but if your money's still there, why does the rest matter? The situation with student loans doesn't break down quite as neatly. Students at community and technical colleges, especially institutions that are for-profit, are having the toughest time of it. The reason: those students are more likely to use private loans (whose credit standards have tightened), and lenders under profit pressure are less willing to write loans for shorter, one- and two-year programs - especially at schools with historically high default rates."