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The Characteristics Associated with Student - page 25 / 94

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25 / 94

2,652

96.6

94

3.4

2,746

2,555

96.7

88

3.3

2,643

2,549

96.5

92

3.5

2,641

2,187

94.6

124

5.4

2,311

1,333

93.5

93

6.5

1,426

900

89.2

109

10.8

1,009

12,176

95.3

600

4.7

12,776

Number of Hours Q-dropped

0 1-3 4-6 7-9 10-12 13 or more All Undergraduates

Total

% of

% of

row

N

row

N

No

Default

Yes

2,660

92.6

214

7.4

2,874

4,644

96.6

164

3.4

4,808

3,045

96.0

127

4.0

3,172

1,233

95.3

61

4.7

1,294

427

94.5

25

5.5

452

167

94.9

9

5.1

176

12,176

95.3

600

4.7

12,776

While there is a stark difference in the default rates of borrowers who have incomplete coursework and those who do not, statistically-speaking, the relationship is fairly weak. The weakness of the association results from the fact that hardly anybody is reported as still having an incomplete status; almost everyone is reported as having zero incomplete hours. This is likely the case because the variable in this subsection represents the number of hours that were in an

Number of Hours Incomplete

Number of Changes in Major

Borrowers who change majors once or twice have the lowest default rates and those who change majors more than twice have higher rates. Borrowers who have no major changes default the most often because this category of borrowers contains the students who attend for very short periods of time before departing, many times without graduating. In a sense, many borrowers in the “Zero” category simply do not attend long enough to change majors.

The table depicts a relationship that is statistically significant but weak.

Yes

Number of Changes in Major

0 1 2 3 4 5 All Undergraduates

% of row

Total

N

No

Default

% of row

N

22

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