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Rising Default Rates on Student Loans Stir Concerns
Finance Articles | September 26, 2010
      New data from the U,Beats Black Friday.S,Beats Black Friday 2013. Department of Education show that
2008 was a bad year to graduate from college in terms of student loan defaults.
According to the Education Department, 7 percent of the class of 2008 has
defaulted on its federal student loans, the highest cohort default rate in more
than a decade,Beats By Dre Headphones.
  
         
         
   
  The cohort
default rate for a particular year represents borrowers whose
federally issued student loans enter default status in the first year that
repayment on those loans is required.The 2008 default rate represents a modest rise of
0,nsecured Loan for Tenants- Helping Renters.3?percent from the class of 2007's cohort default rate of 6.7?percent
but a 35-percent jump from the 2006 cohort default rate of 5,Beats Black Friday.2?percent.Students who attended a private nonprofit college
or university defaulted at the lowest measured rate of 4?percent,
while defaults on college loans among students who attended public institutions
were at 6?percent.But the highest rate of student loan defaults was
seen at for-profit schools?? an eye-popping 11.6?percent.
Among those borrowers who defaulted on their student loans, the graduates of
for-profit institutions represented nearly half of all student loan defaults.?For-Profit Colleges Breeding Lion's Share of
Student Loan DefaultsUnder current federal regulations, the Department
of Education can cut off funding of federal student financial aid for any
school whose cohort default rate on student loans reaches or exceeds 25?percent
for three consecutive years or whose graduates default at a rate of 40?percent
or more in any one year.Without financial aid funding, the institution
would no longer be able to provide its students with federal grants or
federally guaranteed student loans to
help them cover tuition and other school costs. Schools that do not resolve
their student loan default issues quickly will lose the ability to offer any
federal financial aid, effectively closing their doors.One student demographic that may increase the risk
of student loan defaults at for-profit colleges is the lower income levels of
their incoming students. Statistics from the Department of Education show that
while for-profit institutions educated fewer than 10?percent of the
nation's college students in 2008?09, these students received nearly 25?percent
of all federal Pell Grants and federally subsidized student loans issued during
the same time period,he ABCs of Mortgage Refinancing with a Mor.Pell Grants and subsidized student loans??
student loans on which the government pays the interest while the student is in
school?? are awarded only to lower-income and financially needy
students, based solely on the demonstrated financial need of the borrower.In the estimation of the Education Department's
default-rate report, students at for-profit schools are most likely to default
on their college loans because they take on too much student loan debt.
Students at these schools are more likely to take on the maximum allowable
student loan debt and use the money for living expenses in addition to college
tuition.?New ?Gainful Employment' Rule Targets For-Profit
CollegesThe average student loan debt for students who
graduate from a for-profit college with a two-year degree is $14,000, according
to figures from the Department of Education. In contrast, most community
college students who seek two-year degrees graduate with no student loan debt
at all.This discrepancy leaves many education officials,
including Secretary of Education Arne Duncan, with the distinct impression that
for-profit colleges overcharge and underdeliver when it comes to preparing
students for ?gainful employment.??? jobs after graduation that will
allow graduates to earn enough to manage their student loan debt and pay off
their student loans on time.Secretary Duncan said that once students graduate
from a for-profit program, many of them discover that the certificate or
diploma they earned doesn't open the door to employment prospects that will
enable them to repay their student loans.Concerns about the sizable levels of student loan
debt at for-profit schools, paired with the schools' steep default rates, are,
in fact, so high at the Education Department that the department has proposed a
gainful employment rule that would make a school's
eligibility for federal financial aid dependent on its student loan repayment
rate and the average ratio of student loan debt to earnings levels for its
recent graduates.?Far too many for-profit schools are saddling
students with debt they cannot afford in exchange for degrees and certificates
they cannot use,ind Out How Credit Restoration Credit Card,? Duncan
said.Resources:federal
cohort default rates for schools, student loans,
gainful employment rule