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square significance test, indicating that there is no proven relationship between this variable and default.

High School Computer Science Credits

Less than 1 1 or more Missing All Undergraduates

2,356

95.2

120

4.8

8,627

95.7

390

4.3

1,193

93.0

90

7.0

12,176

95.3

600

4.7

% of

% of

row

N

row

N

No

Default

Yes

Total 2,476 9,017 1,283 12,776

Number of High School English Credits

There is no statistically significant relationship between the number of English credits borrowers take and whether or not they default. While the difference between the default rate for borrowers who complete 4 or more credits of English (4.4 percent) and the rate for borrowers who take fewer credits (5.9 percent) appears to be quite large, the statistical test shows that this difference could occur by chance 15 percent of the time – by a higher percentage than researchers usually tolerate in accepting a result as significant.

260

93.9

17

6.1

277

10,723

95.6

493

4.4

11,216

1,193

93.0

90

7.0

1,283

12,176

95.3

600

4.7

12,776

High School English Credits

Less than 4 4 or more Missing All Undergraduates

Recommended High School Program

Total

% of

% of

row

N

row

N

No

Default

Yes

The variables describing high school course credits can be used to construct a composite variable that indicates whether or not a borrower has met a minimum requirement for coursework in multiple subject areas. The variables in this study make it possible to approximate some of the main components of the Texas Recommended High School Program -- as outlined in Rule 74.12 of the Texas Administrative Code, Title 19, Part 2, Chapter 74, Subchapter B. Those main components include four credits of English, three credits of mathematics, three credits of science and two credits of a foreign language. The study data base does not contain information on another main component of the requirements – coursework in social studies-- or on other subject areas with requirements of one credit hour or less. A borrower will have “Yes” for the composite variable if he or she has met the minimum requirements for English, mathematics, science and foreign language; otherwise the borrower will have a value of “No”. Incidentally, this composite

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