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The Characteristics Associated with Student - page 29 / 94

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Attended

Significant

0.03

0.10

-0.25

-0.07

Previous College

Significant

0.03

0.09

N/A

N/A

Withdrawal Type

Significant

0.02

0.09

N/A

N/A

Number of Withdrawals

Significant

0.01

0.08

0.37

0.08

Admission Code

Significant

0.01

0.08

N/A

N/A

Withdrawal Indicator

Significant

0.01

0.07

0.38

0.07

Type of Admission

Significant

0.01

0.06

N/A

N/A

at TAMU

Significant

0.06

0.16

-0.32

-0.11

Admission Major

Significant

0.04

0.15

N/A

N/A

Dorm

Significant

0.01

0.05

-0.14

-0.04

College of Admittance

Significant

0.01

0.05

N/A

N/A

0.01

0.06

0.21

0.06

0.00

  • -

    0.01

0.04

0.14

-0.32

-0.09

0.03

0.12

-0.22

-0.07

Lowest Number of Hours per Semester Number of Semesters in a

Significant

Number of Semesters Enrolled Less than Full Time

Significant

Attendance and Most Recent Departure Total Number of Hours Taken

0.04

  • -

    0.04

0.03

  • -

    0.10

Number of Semesters Enrolled before Departure

Number of Hours Transferred Highest Number of Semester Hours Number of Summer Semesters

Significant Significant

Significant

0.12

  • -

    0.39

Total Hours – Texas A&M Hours Plus Transfer Hours

519

84.7

94

15.3

613

1,382

87.7

193

12.3

1,575

1,295

95.8

57

4.2

1,352

4,620

97.6

114

2.4

4,734

By summing transfer hours and hours taken at Texas A&M, a clean and dramatic pattern reveals itself. Borrowers with 110 hours of study or less have very high default rates and borrowers with at least 111 hours have markedly lower rates. Probably, this demarcation reflects the impact of graduation on the ability to repay. Furthermore, the table suggests that the more hours a borrower studies the better. Borrowers in the 131-150 hour category have the lowest default rate. And although the rate rises a little when moving to the 151-170 hour group, the 3.2 percent rate is still very low. This variable has a statistically significant and relatively strong relationship to default.

Total Hours at A&M Plus Transfer Hours

0-30 31-110 111-130 131-150

Total

% of

% of

row

N

row

N

No

Default

Yes

26

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