Loan centers and credit card companies target low-income individuals whose needs often outweigh their education. As law-makers, you have not only chosen against providing accessible assistance to those who desperately need it, but you have shown a further lack of consideration by refusing to acknowledge the effects of your decisions on the circumstances of the less fortunate. Jeanette Bradley and Peter Skillern discuss these practices in an article titled “Predatory Lending. Subprime lenders trick homeowners into expensive loans” In this article, they point out that “studies by Freddie Mac and Standard & Poor’s indicate that 63 percent of subprime borrowers would have qualified for conventional “A” or “A-” quality loans.” As a nation, we have failed to protect the needy from the incessant pursuit of companies who KNOW better. Our soldiers, minorities, their families and our college graduates are targeted just as easily and as often—if not more. Who is protecting them?