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The Characteristics Associated with Student - page 55 / 94

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55 / 94

3,331

94.9

180

5.1

3,511

41

97.6

1

2.4

42

1,004

95.5

47

4.5

1,051

2,576

95.6

119

4.4

2,695

3,012

96.4

112

3.6

3,124

1,486

94.3

89

5.7

1,575

511

92.4

42

7.6

553

144

98.6

2

1.4

146

43

91.5

4

8.5

47

13

81.3

3

18.8

16

15

93.8

1

6.3

16

12,176

95.3

600

4.7

12,776

While differences in borrower citizenship equate to differences in default rates, the statistical relationship between the variables is very weak. Moreover, the relationship has little practical significance, since nearly every borrower at Texas A&M is a U.S. citizen.

Parental Family Size

0 1 2 3 4 5 6 7 8 9 10 All Undergraduates

Citizenship of Borrower

Total

% of

% of

row

N

row

N

No

Default

Yes

Default

Non-U.S.

326

United States

11,850

All Undergraduates

12,176

Address, Residency and Marital Status Variables

No

Citizenship of Student

N

% of row

91.3 95.4 95.3

31

8.7

357

569

4.6

12,419

600

4.7

12,776

Total

Yes

N

% of row

None of the following demographic variables, or the variables that describe the state of residence of the borrower (see Appendix C), are statistically significant. For each of the following four variables, one category contains nearly all the borrowers, including all of the defaulters and repayers. Because these variables seldom vary in the values they possess, they cannot explain differences in repayment behavior and, therefore, do not have statistically significant relationships to default.

52

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