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The Characteristics Associated with Student - page 26 / 94

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incomplete status as of the moment the data was extracted, instead of the numbers of hours ever marked as incomplete. The difference between these two measurements arises because, over time, instructors replace incomplete statuses with grades as students finally complete their coursework. As a consequence, very few coursework hours remain in an incomplete status indefinitely.

Default

Number of Hours Incomplete

No

Yes

0 1 or more All Undergraduates

N 12,033

143 12,176

% of row

95.5 83.1 95.3

N 571

29 600

% of row

4.5 16.9 4.7

Total 12,604 172 12,776

319

99.1

3

0.9

322

1,282

97.9

28

2.1

1,310

10,575

94.9

569

5.1

11,144

12,176

95.3

600

4.7

12,776

Highest Level Attained

Borrowers who do not surpass the undergraduate level have a higher default rate than borrowers who reach the graduate or professional level. Though this relationship is statistically significant, it is weak in strength.

Highest Level Attained

Professional Graduate Undergraduate All Undergraduates

Total

% of

% of

row

N

row

N

No

Default

Yes

Type of Degree

Borrowers who obtain degrees have low default rates, no matter what type of degree they get. In contrast, borrowers who do not obtain degrees have very high default rates. This relationship is apparent in some of the previous tables, such as Graduation Status and Number of Degrees Attained. The association in the table below is statistically weak (but significant) because the degree categories have default rates that are close to each other; in other words, the table does not display the variability in default rates that would be consistent with a strong relationship to default.

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