Project Description

This guide is intended as a primer on federal student loan CDRs for postsecondary school administrators and other parties who want to learn more about the rates and patterns of repayment. It provides an introduction to CDRs, including their history and importance for borrowers and schools; the basic structure of the life of a student loan; federal policies and regulations that establish the relationship between a school and its borrowers; and delinquency rate dynamics. In addition, the Appendix provides a review of prior research on factors associated with default.



Prepared by TG Research

Release Date

December 2013


TG Research. (2013). Behind the Numbers: Making Sense of Cohort Default Rates. TG Research.  Retrieved from: