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additional information about their probabilities of default. Even so, High School Class Rank might still be useful when college GPA is unknown, such as when first-time freshmen are enrolling.

129

87.2

19

12.8

148

487

93.5

34

6.5

521

517

93.0

39

7.0

556

775

94.7

43

5.3

818

1,434

94.8

79

5.2

1,513

2,473

95.8

109

4.2

2,582

4,143

96.8

137

3.2

4,280

2,218

94.1

140

5.9

2,358

12,176

95.3

600

4.7

12,776

The usefulness of this variable for targeting loan counseling or default prevention efforts is compromised by the fact that so few borrowers fall into the high default rate categories. Most borrowers at TAMU have class ranks that are at the 80th percentile or above, and they therefore have a fairly low probability of default.

High School Class Rank Percentile

0% - 24.9% 25% - 49.9% 50% - 59.9% 60% - 69.9% 70% - 79.9% 80% - 89.9% 90% - 100% Missing All Undergraduates

Total

% of

% of

row

N

row

N

No

Default

Yes

Number of High School Biology, Chemistry, Physics and Other Science Credits

Four variables describe the number of high school science credits that a student completed. For many students, Other Science Credits measures the total number of science credits taken during high school; for some students, that variable measures the number of credits that cannot be categorized as biology, chemistry or physics. For some TAMU students, the High School Biology, Chemistry, and Physics Credits variables provide counts of science credits in more specific categories. Usually students who have counts under the generic Other Science variable do not have counts for the more specific science variables – and vice versa. This fact suggests that different students might be asked to report science credits differently during the admissions process.

Students with higher numbers of Biology Credits, Chemistry Credits or Physics Credits have higher rates of student loan default. In contrast, borrowers with a greater number of Other Science Credits are less likely than other borrowers to default. Most students report credits under the Other Science Credits variable and report no credits under the Biology, Chemistry and Physics variables. This probably means that the Other Science Credits variable is the more dependable indicator of the true relationship between science credits and default behavior: the greater number of science credits taken during high school, the lower the probability of default after college. The counterintuitive relationship of the Biology, Chemistry and Physics variables to student loan default might indicate that students who are regarded as higher risks during the admissions process are asked for a greater level of detail in describing their science backgrounds.

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