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The Characteristics Associated with Student - page 30 / 94

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30 / 94

Total Hours at A&M Plus Transfer Hours

151-170 All Undergraduates

No

N

4,360 12,176

% of row

N 142 600

% of row

96.8 95.3

3.2 4.7

Default

Yes

Total 4,502 12,776

Number of Years Between First Attendance and Most Recent Departure

Like Number of Semesters Enrolled Before Departure, the number of years of attendance shows that borrowers who spend a very short time at TAMU have a very high default rate. In contrast, borrowers who depart after two to five years have low default rates, with borrowers who leave after three years having the lowest rate. Perhaps not surprisingly, borrowers who attended for three or four years also have the highest rates of graduation (at over 90 percent). The table shows, however, that extending attendance beyond five years has a negative impact upon default: undergraduate borrowers who have six or more years between first attendance and most recent departure have relatively high default rates. Even when only looking at borrowers who graduate (the table is not shown here), those who take six or more years to do so have considerably higher default rates than borrowers who graduate in two to five years. The number of years that a borrower spends in college has a strong and statistically significant relationship to the likelihood of default.

307

86.0

50

14.0

357

819

96.5

30

3.5

849

1,759

98.1

34

1.9

1,793

3,496

97.5

88

2.5

3,584

2,730

96.8

89

3.2

2,819

1,164

92.1

100

7.9

1,264

583

87.5

83

12.5

666

812

89.7

93

10.3

905

466

93.4

33

6.6

499

40

100.0

0

0.0

40

12,176

95.3

600

4.7

12,776

Number of Years in College

  • 0

    to 1

2 3 4 5 6 7 8 to 10 11 or more Missing All Undergraduates

Total

N

% of row

Yes

No

Default

N

% of row

27

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