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The Characteristics Associated with Student - page 40 / 94

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40 / 94

Lowest Number of Semester Hours

No

N

10 or more

2,205

Missing

50

All Undergraduates

12,176

% of

% of

row

N

row

93.2

161

6.8

92.6

4

7.4

95.3

600

4.7

Default

Yes

Total 2,366 54 12,776

5,443

94.7

307

5.3

5,750

708

93.8

47

6.2

755

1,695

95.2

86

4.8

1,781

563

95.1

29

4.9

592

1,423

96.9

46

3.1

1,469

391

94.7

22

5.3

413

578

97.0

18

3.0

596

273

95.5

13

4.5

286

622

97.5

16

2.5

638

227

97.8

5

2.2

232

253

95.8

11

4.2

264

12,176

95.3

600

4.7

12,776

Number of Semesters in a Dorm

The lowest default rates are found among borrowers who spend the greatest number of semesters in a dorm. Borrowers who spend little time in dorms have above average default rates. Borrowers who do not live in the dorms at all -- the borrowers who make up most of the missing category – have one of the highest default rates in the table below. The relationship depicted in the table is statistically significant and moderate in strength.

Borrowers admitted to different colleges have different student loan default rates. Borrowers admitted to the Geosciences College have the highest default rate (7.0 percent), followed by the Liberal Arts College (6.2 percent) and the General Studies College (5.9 percent). The Education, Business and Architecture Colleges have the lowest default rates. There is a statistically

Number of Semesters in a Dorm

Missing (Zero semesters) 1 2 3 4 5 6 7 8 9 10-18 All Undergraduates

College of Admittance

Total

% of

% of

row

N

row

N

No

Default

Yes

37

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