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The Characteristics Associated with Student - page 38 / 94

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38 / 94

6,104

96.6

214

3.4

6,318

923

94.9

50

5.1

973

4,031

94.6

231

5.4

4,262

89

93.7

6

6.3

95

1,029

91.2

99

8.8

1,128

12,176

95.3

600

4.7

12,776

As hypothesized, borrowers with interruptions to the progress of their academic studies have higher default rates than other borrowers. As the table below indicates, student borrowers with withdrawal dates on their records had more than double the default rate of borrowers who did not have withdrawal dates. The relationship between Withdrawal Indicator and default is highly significant.

Admission Code

Accepted by Academics Missing Accepted by Review Other Accepted on Provisional All Undergraduates

Withdrawal Indicator

Total

% of

% of

row

N

row

N

No

Default

Yes

Withdrawal Indicator

No Yes All Undergraduates

N

row

N

10,441

96.0

439

1,735

91.5

161

12,176

95.3

600

4.0

10,880

8.5

1,896

4.7

12,776

Default

No

% of

Yes

% of row

Total

Type of Admission

Borrowers who are readmitted to the university have a much higher default rate than other borrowers– in fact, their default rate is twice as high as transfer students. Even among borrowers who successfully graduated from TAMU, readmitted borrowers still have a much higher default rate than other borrowers. It will take further research to understand why this result occurs.

Borrowers who transferred from other colleges have a lower default rate than borrowers who were admitted as freshmen, but the difference does not turn out to be statistically significant.

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