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Detailed Table of Contents

Part IIntroduction

Chapter 1.1Introduction

What is the “Cohort Default Rate Guide”?. . . . . . . . . . . . . . . 1.1.1How is this guide organized?. . . . . . . . . . . . . . . 1.1-2How does this version of the guide differfrom previous versions of the guide?. . . . . . . . . . . . . . . 1.1-3How does a school or data manager use this guide?. . . . . . . . . . . . . . . 1.1-4How can a school or data manager provide feedback on this guide?. . . . . . . . . . . . . . . 1.1-5

Part IIGeneral Information

Chapter 2.1Calculating Cohort Default Rates

What is a cohort default rate?. . . . . . . . . . . . . . . 2.1-1Why are cohort default rates important?. . . . . . . . . . . . . . . 2.1-2Which types of loans are includedin the cohort default rate calculation?. . . . . . . . . . . . . . . 2.1-2When are cohort default rates released?. . . . . . . . . . . . . . . 2.1-3Who receives cohort default rates?. . . . . . . . . . . . . . . 2.1-3What are the consequences of cohort default rates?. . . . . . . . . . . . . . . 2.1-5What are the time frames for a cohort default rate?. . . . . . . . . . . . . . . 2.1-5What time frames are covered by this guide?. . . . . . . . . . . . . . . 2.1-6How does the Department calculate a school’s cohort default rate?. . . . . . . . . . . . . . . 2.1-6How does the Department determine which loansare placed in the denominator of the calculation?. . . . . . . . . . . . . . . 2.1-9

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How does the Department determine which loansare placed in the numerator of the calculation?. . . . . . . . . . . . . 2.1-10How do consolidation loans affect the numeratorof the cohort default rate calculation?. . . . . . . . . . . . . 2.1-11How does loan rehabilitation affect the numeratorof the cohort default rate calculation?. . . . . . . . . . . . . 2.1-11Are there any special circumstances that affect how a loanwill be included in the cohort default rate calculation?. . . . . . . . . . . . . 2.1-12

Chapter 2.2Cohort Default Rate Effects

Are there any sanctions or benefitsassociated with draft cohort default rates?. . . . . . . . . . . . . . 2.2-1

2.

Will a school’s draft cohort default rate andofficial cohort default rate be the same?. . . . . . . . . . . . . . 2.2-1

2.2-1

Are there any benefits for schools withlow official cohort default rates?. . . . . . . . . . . . . . 2.2-2

2.2-2

Are there any sanctions associated withhigh official cohort default rates?. . . . . . . . . . . . . . 2.2-3

2.2-3

Can a school avoid the sanctions associatedwith high cohort default rates?. . . . . . . . . . . . . . 2.2-4

2.2-4

What are the consequences of an unsuccessfulcohort default rate adjustment or appeal?. . . . . . . . . . . . . . 2.2-5

2.2-5

If a school is subject to sanctions,when do the sanctions take effect?. . . . . . . . . . . . . . 2.2-6

Chapter 2.3Loan Record Detail Report

What is a loan record detail report?. . . . . . . . . . . . . . 2.3-1Why should a school review itsloan record detail reports?. . . . . . . . . . . . . . 2.3-1Which schools receive hardcopyloan record detail reports?. . . . . . . . . . . . . . 2.3-2

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Can a school request an electronicloan record detail report?. . . . . . . . . . . . . 2.3-3Can a school request a hardcopy or electronicloan record detail report from Default Management?. . . . . . . . . . . . . 2.3-4Are the loan record detail reportssubject to the Privacy Act?. . . . . . . . . . . . . 2.3-4How does a school read aloan record detail report?. . . . . . . . . . . . . 2.3-5How does a school identifythe data manager of a loan?. . . . . . . . . . . . . 2.3-16

Chapter 2.4Loan Record Detail Report Tools

Introduction. . . . . . . . . . . . . 2.4-1.

2.4-1

Instructions for Requesting anElectronic Loan Record Detail Report. . . . . . . . . . . . . 2.4-1Electronic Loan Record Detail Extract File Layout. . . . . . . . . . . . . 2.4-3Alphabetical Data Manager Contacts. . . . . . . . . . . . . 2.4-9Numerical Data Manager Contacts. . . . . . . . . . . . . 2.4-10

Chapter 2.5Change of Status and Evasion

How does a school’s change in status affectthe school’s cohort default rate?. . . . . . . . . . . . . 2.5-1What types of actions are considered attemptsat evasion of cohort default rate sanctions?. . . . . . . . . . . . . 2.5-3

Chapter 2.6Department Offices and Addresses

Introduction. . . . . . . . . . . . . 2.6-1Default Management. . . . . . . . . . . . . 2.6-2

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Contents - V

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