Over the past decade and a half, surging college enrollment in the United States has opened opportunities for millions of Americans. Today, more than 70 percent of Americans enroll at a four-year college. Low-income students have accounted for much of this new enrollment, although college-going has dropped following the Great Recession. Unfortunately, college completion rates remain low. As of 2012, only 59 percent of first-time, full-time students at a four-year institution graduated within six years. On-time graduation rates are also lackluster. Only 5 percent of students complete a two-year associate degree on time, and most public four-year colleges graduate less than one-half of their full-time students within four years. Low-income and first-generation students continue to graduate at far lower rates than higher income students.