Federal Student Loan Cohort Default Rate

The U.S. Department of Education annually publishes the official cohort default rates for domestic and foreign schools that have 30 or more student borrowers who enter into repayment status on their loan(s) in a federal fiscal year. The federal fiscal year begins October 1st and ends September 30th. 

It is all of a college's current and former students who during a fiscal year enter into repayment status of any Direct Subsidized Loan, Direct Unsubsidized Loan, or Federal Stafford Loan they received to attend college. 

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It is the number of students in a cohort who default on their loans during a fiscal year, divided by the total number of students in the cohort. 

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The cohort of students who enter into repayment status is monitored for a three year period. The number of students who enter into a default status during those three years become the numerator and the total number of cohort students become the denominator, which results in a percentage.


Total number of students who enter repayment status in fiscal year 2013
                      AND default in fiscal years 2013, 2014, and 2015                     
Total borrowers who enter repayment status during fiscal year 2013

In this example, the cohort default rate is scheduled to be published in 2016.

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The latest reported cohort default period is for 2017. The National Default Rate for 2017 is 9.7%. ASU-Beebe default rate for that same period is 9.6%. 

The decline in the default rate indicates less students are defaulting on their student loans. 

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To learn more about default prevention, please visit Federal Student Aid: How to Repay Your Loans or email ASU-Beebe Financial Aid at finaid@asub.edu

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