"The credit crisis is hitting student loans, but there's no need to panic. Not yet, anyway," The Charlotte Observer reports. "'There's certainly some troubling signs,' said Haley Chitty, spokesman for the National Association of Student Financial Aid Administrators, or NASFAA. 'But it's hard for us to envision a scenario where students can't get federal loans for school this year.' Mark Kantrowitz, publisher of FinAid.org, counts at least 131 lenders that have reined in student lending - private, federal or both - since the credit crisis hit last summer. All together, the cuts by federal-loan providers represent about 12 percent of that market, Kantrowitz said."