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1998 COHORT DEFAULT RATE FOR LENDERS

/-------CURRENT HOLDERS--------/
LID Lender Address City ST Zip $ IN R!"T $ IN R!"T
8#$8#%&& ANCHORA'E A( 99%1& $)$ 1 ** $1*#+,8* & & & $&
8$9189&& -IR"IN'HA" AL #%$$# & & & $& %). .1 1$*# $,+$*.+9#,
8#1&81&& "O-ILE AL #,,1, *)% $ ** $81+9$& & & 8 $1$+1,*
81*%%,&& O -O/ 11#*9 -IR"IN'HA" AL #%$&$ #)% $ %, $##,+8*% #)8 $ %$ $##,+8*%
8199$8&& O -O/ 11.8% -IR"IN'HA" AL #%$&$ 8)8 1%$ 1.&8 $%+8#.+%*1 & & #$ $#8+.,#
8#&$9&&& AU-URN-AN( AU-URN AL #,8#1 *)9 11 $$1 $%89+$.$ & & & $&
81%,$$&& COLONIAL -AN( "ONT'O"ER! AL #,1&1 %)# 1% $8& $1+&#.+1., & & , $8+&8%
8$#1$9&& O -O/ %,, SHEFFIELD AL #%,,& %)1 * .. $%&$+%*% %)* * .# $%&$+%*%
81%.*9&& "ONT'O"ER! AL #,1$* 1&), 8 .% $$,#+.18 & & & $&
8&&&9.&& RE'IONS -AN( O -O/ $%$. "O-ILE AL #,,$$ *)8 $#& *.19 $$.+*&$+&,$ %)1 $*& *,.* $$8+$*%+..,
8$9&*8&& O -O/ #8,. AU-URN AL #,8#1 %)8 * ,8 $1#9+%8% & & & $&
/---ORI'INATION LENDERS-------/

DFLT
RATE
0 IN
DFLT
0 IN
R!"T
DFLT
RATE
0 IN
DFLTs
0 IN
R!"Ts
(E! -AN( OF
ALAS(A
O -O/
1&&*$&
AL HI'HER ED
LOAN
COR1SOUTHT
RUST -
11& OFFICE
AR( DR-$ND
FL-2 " SEIER
ALTUS -AN(+ A
FEDERAL
SA3IN'S -AN(
O -O/
1,&9$*
A"ERICA4S
FIRST CREDIT
UNION
A"SOUTH -AN(+
NA
1&& NORTH
'A! ST O
DRA5ER #11&
O -O/ 11&8+
ATTN
IN3EST"ENT
OERAT
LISTERHILL
E"LO!EES
CREDIT UNION
"A/ FEDERAL
CREDIT UNION
O -O/
$**&*&
SOUTHTRUST
-AN(
1998 COHORT DEFAULT RATE FOR LENDERS
8&&&18&& -IR"IN'HA" AL #%$9& *)% * 88 $%&.+$&8 & & , $*%+,.$
8&&&$#&& O -O/ $%%* -IR"IN'HA" AL #%$9& ,)* 1$# 191# $9+9,1+89$ 8)$ ,% .8. $*+%89+11,
8&&&,1&& FLORENCE AL #%,#1 11)* 8 .& $#,8+#*, 1$)# 8 ,% $#,8+#*,
819%*8&& -IR"IN'HA" AL #%$&% $)* 1 *1 $8%+,8# & & 1 $&
8&&$*,&& LITTLE ROC( AR .$$&# *)8 9 18% $1+*#&+*1# *)8 9 18% $1+*#&+..9
8$,%&9&& LITTLE ROC( AR .$$&1 1& 11& 1&9, $%+99%+#81 8)# $8* #*1. $$$+,.$+.9#
8&&$.*&& O -O/ ,88 -L!THE3ILLE AR .$#1, %). $ #% $1,$+9$$ & & & $&
8$,9&*&& NASH3ILLE AR .18%$ % $ *& $19#+..9 & & 1 $&
8&&$%8&& SILOA" S' AR .$.,1 # , 19% $1+*$#+*81 &), 1 1%. $1+#$&+*$$
8&&#&1&& O -O/ 1#$. FA!ETTE3ILLE AR .$.&$ ,). #% %$& $#+98#+.$. & & 19 $.#+1,,
8$&#&1&& O -O/ %%81 AR .$119 %)% 8 1** $8.%+#.% & & $& $,.+19,
8&&$**&& RE'IONS -AN( LITTLE ROC( AR .$$&1 ,)# 19 $9. $1+#,%+9%1 & & 11 $1,+&%*
8&&#$&&& RE'IONS -AN( LITTLE ROC( AR .$$&1 . .# 1&#% $8+9$*+,$9 1% 11 .# $$&9+9,#
SOUTHTRUST
-AN( OF
ALA-A"A+ N)A)
)O) -O/
$%%*+
STUDENT
LOAN DET)
SOUTHTRUST
-AN( OF
ALA-A"A+ N)A)
SUNTRUST
-AN(+ ALA-A"A
N)A)
O -O/ .%8+
ATTN6 A"
HO5ARD
UNI3ERSIT!
CREDIT UNION
1*&& SOUTH
$&TH STREET
AR(ANSAS
RURAL
ENDO5"ENT
FUND+ INC)
1#&, 5EST
*TH )O)-O/
.%&
AR(ANSAS
STUDENT LOAN
AUTHORIT!
1&1 EAST
CAITOL
A3ENUE
SUITE *&1
FAR"ERS -AN(
7 TRUST
CO"AN!
FIRST NATIONAL
-AN( OF
NASH3ILLE
1&# NORTH
"AIN ST
FIRST NATIONAL
-AN( SILOA"
SRIN'S
O -O/
1#&+ATTN6SUE
"EE(ER
"CILRO! -AN(
AND TRUST
"ERCANTILE
-AN( CENTRAL
AR(ANSAS
NORTH LITTLE
ROC(
*&& 5EST
CAITOL
*&& 5EST
CAITOL
1998 COHORT DEFAULT RATE FOR LENDERS
81%.*%&& O -O/ .*&8 INE -LUFF AR .1,11 ,), 1%8 $#8% $19+#.1+#.& ,)9 .* 1&,9 $,+$&8+$8.
8&&$%9&& O -O/ $1%, -ATES3ILLE AR .$%&# *)% $ ** $$*%+*8, & & 1 $&
81*%*&&& O -O/ $.& "ONTICELLO AR .1,%% 9)8 $# $## $1+$%8+111 & & 1& $$1+$,,
8&&#&$&& 2ONES-ORO AR .$*&1 1&)# #1 #&& $$+$&.+.%. & & 9 $$%+,&&
81%9&8&& O -O/ #%& 5ARREN AR .1,.1 9), , ,$ $$,%+#99 & & 1 $&
8$9&,*&& 'IL-ERT AZ 8%$## & & & $& 1#)9 , *# $#98+&,8
8#&%$9&& 'IL-ERT AZ 8%$## & & # $11+1*$ 19), 1%% .88 $#+9%.+*,&
8#1$*%&& 'IL-ERT AZ 8%$## & & 8 $19+*&* 1,)1 $8 1.# $1+&8*+88&
8#&,#&&& 'IL-ERT AZ 8%$## 1$). .&8 %%#% $$8+*9$+&,1 11)% .,1 ,%9$ $#,+,8$+%%8
8$9&..&& 'IL-ERT AZ 8%$## $& #% 1.% $1+&%8+&** 1,)1 % #1 $#$+,*1
8#&1,8&& HOENI/ AZ 8%&&8 & & ** $*$&+#1$ & & ** $*$&+#1$
8$9$%&&& HOENI/ AZ 8%&&. $)9 1 #* $1&1+8#* & & 1 $$+*&$
SI""ONS FIRST
NATIONAL -AN(
THE CITIZENS
-AN(
UNION -AN( 7
TRUST
CO"AN!
UNION
LANTERS -AN(
OF NE
AR(ANSAS
O -O/
,&18/#&& S
CHURCH
STREET
5ARREN -AN(
AND TRUST
CO"AN!
AEL"AC - ATTN)
-RIAN OSHER
1%%% N)
FIESTA
-OULE3ARD
AEL"AC - -RIAN
OSHER
1%%% N)
FIESTA
-OULE3ARD
AEL"AC AS
TRUSTEE
FEL"AC- -)
OSHER
1%%% NORTH
FIESTA
-OULE3ARD
AEL"AC ATTN
-RIAN OSHER
1%%% NORTH
FIESTA
-OULE3ARD
AEL"AC C/O
-RIAN OSHER
1%%% N)
FIESTA -L3D
ARIZONA FED)
C)U) 12OHN D)
"AID"ENT
### NORTH
**TH STREET
ARIZONA STATE
E"LO!EES
S3'S 7 C)U)
181$ 5
"ONROE ST
1998 COHORT DEFAULT RATE FOR LENDERS
811&.*&& HOENI/ AZ 8%&#8 # % 1,# $.%.+%&% & & $ $&
8$8*..&& TUCSON AZ 8%..% #)% 1# #,* $#+#8*+,*& 1&)% $ 19 $9%+*&,
8#$8$1&& HOENI/ AZ 8%&,1 8). 8& 911 $*+#*.+98, % $ *& $,%+.,1
8$1,,,&& SCOTTSDALE AZ 8%$%1 & & & $& 11)# $#$ $&*9 $1*+$*&+,9$
8$$9&.&& TE"E AZ 8%$81 #)8 % 1#1 $$8.+$*. & & 1% $9+%81
819%98&& TE"E AZ 8%$81 $)* $ 81 $11&+*,9 & & 1& $&
8&&19#&& HOENI/ AZ 8%&&$ %)% # %* $1%$+*$& & & , $$#+,%#
818&1%&& TUCSON AZ 8%.1, 1*)$ 8 %, $1%%+1#9 & 1 1 $*+.$&
8$8#&,&& SACRA"ENTO CA 9%8#* & & #$ $1$*+&19 & & 1, $11&+9$1
8##$89&& SAN DIE'O CA 9$1#& #)8 9 $#* $8$,+.9$ & & #, $119+1,$
8&11.8&& O -O/ 9$&$% LOS AN'ELES CA 9&&&9 & & & $& $). 1 #, $&
8#&*8,&& LON' -EACH CA 9&81& & & & $& *)% #&$ ,%9& $#&+&8&+.#%
-AN( ONE+
UTAH+ NA
O -O/
$9%**+
STUDENT
LOAN DET)
D" FEDERAL
CREDIT UNION
O -O/
1%11%+ ATTN6
ACCOUNTIN'
" 7 I
THUNDER-IRD
-AN(/2)
S5ANSON
O -O/ 118%,
- STUDENT
LOAN DET
NOR5EST
TRUSTEE FOR
SLAAA
,991 E)
CA"EL-AC(
RD)+ 0--$9&
RTC CENTRUST
1 ") S5EET 7
ASSOC
$&&% 5) 1*TH
ST)+ SUITE 1%&
RTC FLORIDA
FED 1 ")
S5EET 7 ASSOC
$&&% 5) 1*TH
ST)+ SUITE 1%&
SECURIT!
ACIFIC -AN(
ARIZONA
1&1 NORTH
FIRST
A3ENUE
TUCSON
FEDERAL
CREDIT UNION
11,& N
5INSTEL
-L3D
1ST
NATION5IDE
-AN(
#.%& ROSIN
COURT+
SUITE 1$&
A"ERICAN
E/RESS EDU
ASSURANCE CO
11*%$ EL
CA"INO
REAL+ STE
11&
- OF A TRUSTEE
C/O C"SC
-AN( OF
A"ERICA+ N)A)
C/O AFSA
$$.. E) $$&TH
ST
1998 COHORT DEFAULT RATE FOR LENDERS
8##,8%&& SACRA"ENTO CA 9%8%# & & & $& & 1 1&$* $%+1*,+,89
8&&,#%&& -REA CA 9$8$$ * #$ .9% $#+#,,+$88 #)# 1 #& $1&#+,..
8&&8&$&& -REA CA 9$8$$ & & & $& 1# 118 9&* $$+$#.+.$#
8&18.1&& -REA CA 9$8$$ ,)9 8%& 1$$&& $8%+***+%8# *)* 1%$ #*#* $$$+811+8*.
8$**$1&& -REA CA 9$8$$ .)* $$9& #&,9$ $$&.+%*9+9&& & # *%,1 $$.+*,#+$$,
8$1,9$&& 5) SACRA"ENTO CA 9%,&% 1)# % #.$ $$&.+..* & & 9% $#$+.8$
8$,.,$&& 5) SACRA"ENTO CA 9%,&% $). 1 #. $%1+88& & & 1 $8.%
8$1,$#&& SAN FRANCISCO CA 9*111 .). 8 1&# $%#8+*#* 1, 11$* .&&% $#.+9,*+.8#
81#$*,&& SAN FRANCISCO CA 9*1&% 8)% # #% $$1.+$,, & & * $1.+8#,
8&$**%&& O -O/ 1#,,. SCRA"ENTO CA 9%8%# ,)$ %&$ 8&#% $*9+18,+,19 &)* # ,,% $$+%8&+%1#
8&.%1&&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# .)9 ,19 ..8$ $%$+$&$+,.. 9). 1.1 1.*, $,+$99+&18
-AN( ONE NA
TRUSTEE FST
UNION 99C
)O) -O/
1#,,.
-OA STUDENT
-AN(IN'/CA.-
.&1-&#-&#
$.% S
3ALENCIA
A3E ATTN6R
RU-IO
-OA STUDENT
-AN(IN'/CA.-
.&1-&#-&#
$.% S
3ALENCIA
A3E ATTN6 R
RU-IO
-OA STUDENT
-AN(IN'/CA.-
.&1-&#-&#
$.% S
3ALENCIA
A3E ATTN6 R
RU-IO
-OA STUDENT
-AN(IN'/CA.-
.&1-&#-&#
$.% S
3ALENCIA
A3E ATTN6 R
RU-IO
CALIFORNIA
FEDERAL -AN(
F)S)-)
8*&
STILL5TER
ROAD --$
CALIFORNIA
FEDERAL -AN(+
F)S)-)
8*&
STILL5ATER
ROAD --$
CHELA
FINANCIAL USA+
INC)
#88 "AR(ET
STREET)+
1$TH FLOOR
CHE3RON
FEDERAL
CREDIT UNION
%%% "AR(ET
ST 1&TH
FLOOR
CLASSNOTES
INC)+ D-A
EDUCAID
CLASSNOTES
INC)+ D-A
EDUCAID
1998 COHORT DEFAULT RATE FOR LENDERS
811#$#&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# 8), #. *$9 $#+$%1+.9$ 1*). $1 1*$ $$.*+$.#
8$#$&9&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# ,)8 $*9 #,$$ $$&+8%1+$9# 1). 9 %&8 $$+&8,+,91
8#&&&%&& SACRA"ENTO CA 9%8%# ,)% $,1* #9..$ $#&*+*,8+.,. &), #& *8&& $$*+.$*+8$1
8##19.&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# %& 1 $ $1%+$8. ,), 11#, 1.1&9 $98+9%,+918
8##&9&&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# & & & $& %). *,8 81#8 $#,+8.*+89#
8$8*11&& CAR"ICHAEL CA 9%,&8 &)9 # #&. $98+%.. & & 1 $&
8$8#.*&& SACRA"ENTO CA 9%81* %), , 1&. $1,,+**9 & & $& $#1+,81
8#&%,$&& )O) -O/ $%,$ SACRA"ENTO CA 9%81$ 1.)# 1, 9$ $1$#+$#% & & & $&
8&%%9%&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# %)1 8#& 1,&9% $1$8+.9*+.#8 %), *#9 .8#$ $*1+9*8+8$9
81#8#&&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# ,)1 #* %%1 $1+#**+*%& $%)$ $&$ 8&& $#+1$*+#&1
8$*,&8&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# ,)9 $% #%9 $1+9%%+1%$ 8)* $8 ##1 $1+8,%+889
8$9.#9&& SACRA"ENTO CA 9%8%# $)% , $#9 $9#$+#%% & & . $1+1,*
8#$8$%&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# .). 981 1$,$% $8%+#98+1.9 #)1 #8 119# $#+199+#,9
CLASSNOTES
INC)+ D-A
EDUCAID
CLASSNOTES+
INC) D-A
EDUCAID
CLASSNOTES+
INC) D-A
EDUCAID
)O) -O/
1#,,.
DAUHIN
CLASSNOTES
TRUST 199%-I
EDUCAID
STUDENT LOAN
TRUST
FIRST
INDEENDENT
TRUST CO
%#$% EN'LE
RD 0$&&
FIRST
INDEENDENT
TRUST
CO"AN!
8&1 (
STREET+
SUITE $1$*
FIRST
INDEENDENT
TRUST
CO"AN!
FIRST UNION
NATIONAL -AN(
FIRST UNION
NATIONAL -AN(
FIRST UNION
NATIONAL -AN(
FIRST UNION
NATIONAL -AN(
)O) -O/
1#,,.
FIRST UNION
NATIONAL -AN(
1998 COHORT DEFAULT RATE FOR LENDERS
8##&.9&& SAN DIE'O CA 9$1$$ 1)$ 1, 1$#% $1%+$1%+1*1 &)1 1 998 $1*+#,1+$&.
8##,1,&& SACRA"ENTO CA 9%8%# & & & $& &)1 8 *&,9 $$$+%$,+#*$
8##,%#&& O -O/ 1#,,. SACRA"ENTO CA 9%8%# & & & $& &)# # 99% $%+8%,+1#9
8#&$8#&& SACRA"ENTO CA 9%81. $ , $9* $$+#.%+%.# & & * $8+%1&
8$9*%,&& NORTH RID'E CA 91#$8 %)% $%* *,&9 $$%+#%*+99& &)8 1 1$& $#1&+&.$
8$18#.&& CHATS5ORTH CA 91#11 1*)8 11 .* $$#1+$&, & & 1 $1+%18
8$$,%1&& CHATS5ORTH CA 91#11 #)* #1 888 $9+#%#+%$& & & $$* $1+,#.+*%9
8#&#&&&& CHATS5ORTH CA 91#11 %)$ *. 9&$ $#+1%8+,8, & & ,& $1*9+,&1
8$#&8,&& O -O/ 1&&&# CA 9&$,, &), 1 1*. $1+*1,+*9& &). 1 1#9 $1+*1,+*9&
8$9$,8&& O -O/ $#%$8 SAN DIE'O CA 9$1$# & & %% $1&1+&1* & & , $$%+.9#
8$*.&$&& O -O/ ,.%9 -UR-AN( CA 91%1& ,), $ #& $1$%+%9% & & 1 $#+&&&
FLEET AS
TRUSTEE FOR
A"S EDUCATION
91.1 TO5NE
CENTRE DR)+
STE %.%
FN- CHICA'O
TRUST UNION
99A
)O) -O/
1#,,.
FN- CHICA'O
TRUST UNION
99-
'OLDEN ONE
CREDIT UNION
,%&. *TH
A3ENUE
'REAT
5ESTERN -AN(
O -O/ 1&8&+
RECON DET
CODE N&.#1
'REAT
5ESTERN -AN(
LOAN ACCT
DET
9*&1
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N&81*
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5ESTERN -AN(
LOAN ACCT
DET
9*&1
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LOAN ACCT
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A3ENUE+
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HU'HES
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FEDERAL C
"ANHATTAN
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I"ERIAL
FEDERAL
SA3IN'S
LOC(HEED
FEDERAL
CREDIT UNION
1998 COHORT DEFAULT RATE FOR LENDERS
8$.*$.&& SAN DIE'O CA 9$191 *)$ ** 1&#8 $9+,$1+19% #)% #$ 91$ $8+#11+#,$
8#1$11&& SAN DIE'O CA 9$1$, & & & $& %)8 9 1%% $91%+#,*
8$*8#%&& -REA CA 9$,$$ #). , 1%9 $1+%&9+1.% & & $% $.*+,9*
8#18#,&& SANTA ANA CA 9$.11 $)8 19 ,,$ $%+.$$+8$* & & .1 $#%,+,8,
8$&&&1&& O -O/ 18#$ FRESNO CA 9#.1. 1). $ 11% $#&1+1#, & & $ $$+1*%
81#$8#&& SANTA ANA CA 9$.99 & & 1&$ $1&1+%1# & & $ $&
8#1.%#&& COSTA "ESA CA 9$,$, ,)1 , 9. $$$1+&1, & & & $&
8$9..%&& LON' -EACH CA 9&81& & & & $& 1)$ 1 8$ $$$&+.89
89999,&& LON' -EACH CA 9&81& & & #. $.&+#9* %)9 %*# 9&,9 $%,+9&*+%19
8$9%1*&& )O) -O/ 19.% CA 9$,9# & & & $& & & *8 $$..+*8#
8#&$8&&& SACRA"ENTO CA 9%81, & & & $& & & ,$ $#98+,#$
8###%,&& SACRA"ENTO CA 9%8%# & & . $.+,#1 ,). 1**, $1#.. $1&&+%19+$$9
"ISSION
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TEACHERS FCU
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RODUCERS
FEDERAL
CREDIT UNION
SECURIT!
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COR
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1#,,.
1998 COHORT DEFAULT RATE FOR LENDERS
81#$#%&& UNION -AN( SAN DIE'O CA 9$18, *), # ,* $1*$+,$, & & # $8+9.&
8$&1,#&& SAN FRANCISCO CA 9*111 & & & $& & & %9,& $*%+&,*+.*.
8$1,$8&& SAN FRANCISCO CA 9*111 & & & $& &)% 1& 181$ $1#+1,%+&$.
8#$*1#&& SAN DIE'O CA 9$1#& *)$ . 1,# $9$.+*&, & & & $&
81#$8%&& SAN FRANCISCO CA 9*111 & & 1 $%+*9# 9)% #,8 #8%. $$$+811+,&%
8$&1,*&& SAN FRANCISCO CA 9*111 & & & $& ,), .1# 1&.1. $..+19$+*9.
8$1,1*&& SAN FRANCISCO CA 9*111 & & $ $1+8#. 8), ,&% ,9,. $%&+8,$+*8&
8$%#8,&& SAN FRANCISCO CA 9*111 & & & $& &)9 % %&, $11*+99#
8#$1$#&& LOS AN'ELES CA 9&&$% %)* # %% $#$%+9%# & & # $1+8##
8####1&& LOS AN'ELES CA 9&&89 1), $ 1$$ $,99+,19 & & $ $1#+1,9
8$91#%&& LOS AN'ELES CA 9&&89 1)# * $9$ $%+*,%+9,8 & & 11 $9#+9.8
8#&&11&& O/NARD CA 9#&#& #), * 1&9 $$98+11% & & $ $,+#8$
O -O/
8%**#
STUDENT
LOAN
CENTER
UNION -AN( OF
CALIFORNIA
TRUSTEE FO
#88 "AR(ET
STREET 1$TH
FL
UNION -AN( OF
CALIFORNIA
TRUSTEE FO
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STREET 1$TH
FL
UNION -ENEFIT
LIFE INSURANCE
CO
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HALL R" $&1
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COUNT!
NATIONAL -AN(
%&&
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DRI3E
1998 COHORT DEFAULT RATE FOR LENDERS
8&1.,*&& LEASANT HILL CA 9*%$# $)9 ** 1*,9 $1$+.&&+9*, & & $$9 $1+1%,+%%%
8&91,&&& LEASANT HILL CA 9*%$# *)$ 9, $$.. $1#+$9%+%,$ & 1 1,&9 $11+$..+91%
811,%1&& LEASANT HILL CA 9*%$# *)$ %. 1#*$ $.+#*9+.%# & & 9&8 $%+%1,+%1%
81$&,&&& LEASANT HILL CA 9*%$# *)% 1$ $,* $1+&%&+,.9 & & .# $$#%+8%,
81*81%&& LEASANT HILL CA 9*%$# ,)1 #% %.1 $#+&.9+81. & & *1* $$+,&,+$&#
8$$8*&&& LEASANT HILL CA 9*%$# ,)% 191 $898 $18+9&,+##8 &)* 9 199$ $1%+9&1+91$
8#1,$%&& LEASANT HILL CA 9*%$# %). $&% #%8% $$.+.$#+*#9 & & 1$& $#,&+919
81,&&%&& LEASANT HILL CA 9*%$# *)$ 1&% $*.* $19+.,1+%#1 &)$ 1 *,# $#+&81+9&9
8&181.&& LEASANT HILL CA 9*%$# $), # 11$ $$**+... & & 1* $*1+*1&
819,91&& LEASANT HILL CA 9*%$# % 1% $98 $1+*9%+,1# #)1 . $19 $1+$##+9&1
8#&,81&& 5EST CO3INA CA 91.9& %)* $ #. $1%*+#$* & & & $&
81*8$.&& O -O/ ,$91& CO 8&9,$ & & *, $8#+,#1 & & $ $&
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATION
FINANCIAL S3C
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
EDUCATIONAL
FIN) S3CS)
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
STUDENT LOAN
CENTER
8%
CLEA3ELAND
ROAD
5ELLS FAR'O
STUDENT LOAN
CENTER
8%
CLEA3ELAND
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5EST5OOD
FEDERAL
CREDIT UNION
1FIRST FIN
CU+ 1,&& 5
CA"ERON
A3E
AIR ACADE"!
FEDERAL
CREDIT UNION
COLORADO
SRIN'S
1998 COHORT DEFAULT RATE FOR LENDERS
8#1.8,&& LITTLETON CO 8&1$* $ , $9# $1+..$+#&1 & & 1*& $1+&*1+$$*
8#1&..&& -OULDER CO 8&#&, 1 1 9$ $$##+&9. & & 1 $9+&&&
8$.$%&&& DURAN'O CO 81#&1 %)* * .* $1$.+91$ & $ $ $&
8$.8,,&& DEN3ER CO 8&$&$ ,)* %. 8.8 $#+*,#+,&. ,)$ %&# 8&9. $#.+*%$+&$$
8$8.8%&& LA(E5OOD CO 8&$$, & & *. $$#%+#.* & & *% $$#%+#.*
8##&9#&& CSO-A/LLR DEN3ER CO 8&$&$ $&)9 .8 #.$ $1+%9%+181 $1), .8 #,1 $1+%98+&%$
8&189%&& COLO SRIN'S CO 8&9#% 1)# 1& .%* $*+8&$+881 &)8 1 11% $1%*+1&%
8$.%%9&& -RUSH CO 8&.$# % $ *& $1.&+$1% & & * $*+#88
8&19$,&& LA(E5OOD CO 8&$1% #)1 $. 8%& $#+.%&+*%$ %)1 $ #9 $$#+,#1
81,1&$&& CO 8&9&9 $)9 $ ,8 $*,$+##. & & # $&
81,%%*&& DEN3ER CO 8&$$$ & & #8 $1$+,8, & & # $&
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1998 COHORT DEFAULT RATE FOR LENDERS
8&19%#&& O -O/ %.8 FORT COLLINS CO 8&%$$ % *$ 8#9 $$+9%1+18* ,)$ #9 ,$* $$+.,1+*%8
81%9.9&& 'RAND 2UNCTION CO 81%&1 & & #1 $18&+8## & & $9 $18&+8##
8$&9&1&& UE-LO CO 81&&* .)# # *1 $.#+%99 & & & $&
8&19#%&& DEN3ER CO 8&$18 *)8 , 1$* $,*1+9$& %)$ , 11* $,*1+9$&
8#&%*9&& O -O/ %$8 FORT COLLINS CO 8&%$$ *). # ,# $#%&+*9. ,)1 # *9 $$81+$&1
8$.$*1&& O -O/ .8& ALA"OSA CO 811&1 ,)% $. *1& $$+$.1+8.9 18). # 1, $%%+#1,
8$#988&& -OULDER CO 8&#&1 *)% 9 19, $8%&+$$# & & 8 $*+&&&
8##.&$&& DEN3ER CO 8&$&$ & & & $& & & 1&,. $1&+99%+181
8##*%.&& DEN3ER CO 8&$&$ & & & $& #). .*% 199&, $1$.+9.%+&*8
8##*%,&& DEN3ER CO 8&$&$ & & & $& .)$ 81 1111 $*+$1%+$##
8&$&##&& EAST HARTFORD CT &,118 %)8 * ,8 $#9*+9#$ & & # $*+81*
81%8.9&& NE5 -RITAIN CT &,&%& $)$ $ 88 $%&%+$#1 %)$ 1 19 $1#&+1&&
8#1.#8&& SOUTH 5INDSOR CT &,&.* 9), # #1 $1.9+,$% & & * $$+,$%
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1998 COHORT DEFAULT RATE FOR LENDERS
81%88$&& CENTER-AN( 5ATER-UR! CT &,.&$ & & #, $1#.+,1* & & # $$%1
81%8%&&& NOR5ICH CT &,#,& .)* 8 1&8 $%%*+$&# & & % $.+18%
8&19.#&& UTNA" CT &,$,& & & #% $18*+98% & & # $9+&..
8&$&#&&& HARTFORD CT &,11% ,)* 1& 1%, $*1$+$9$ & & 8 $%+$&&
81,.#8&& HARTFORD CT &,1&, & & #. $$,8+##% & & * $*+.%,
8$*$*,&& ROC(! HILL CT &,&,. 9)* %# %,1 $$+$8.+*%* & & ## $,.+%1$
8$8,1*&& CSLF/SUSIE "AE ROC(! HILL CT &,&,. .)$ #%9 *9,* $#1+,81+$$9 .)$ #.9 %$19 $#%+&,9+1*,
81%8*9&& O -O/ 8 FAR"IN'TON CT &,&#$ & & *, $#&&+.#$ & & *$ $#&&+.#$
81%,8$&& EAST HARTFORD CT &,1&8 & & #% $98+*,, & & $ $&
8$$8*%&& O -O/ 1,.& NE5 HA3EN CT &,%&. #)% . 199 $1+&91+.1* & & . $$+.%&
81,$.#&& LI-ERT! -AN( "IDDLETO5N CT &,*%. *)9 1& $&$ $1+.&1+8#* & & % $$8+&9,
81%..,&& NAU'ATUC( CT &,..& 1), 1 ,$ $,1$+1., & & # $$.9
81%8,$&& NE5 HA3EN CT &,%1& .)$ $% #*. $$+*#%+&&$ & & %# $$#*+,,1
81%8,*&& O -O/ *9. NE5TO5N CT &,*.& ,)* $ #1 $1*,+1%# & & $ $1+%.8
,& N "AIN ST
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1998 COHORT DEFAULT RATE FOR LENDERS
8$,1.8&& NOR5ICH CT &,#,& , # %& $#..+,9$ ,)# # *. $#..+,9$
81%888&& EOLE4S -AN( 8%& "AIN ST -RID'EORT CT &,,&* 9)8 8 81 $%1$+&%# & & . $&
81%88,&& -RID'EORT CT &,,&* .). 1*, 1891 $9+.18+#,* &). 1 1*$ $#8&+,8%
81%88&&& "ANCHESTER CT &,&*& *)% . 1%% $1+&$8+99% *). . 1*. $98,+#*1
81.191&& O -O/ #&% STRATFORD CT &,*9. $)9 # 1&1 $8&*+8&1 & & $8 $1*#+#,1
8$%%#1&& O -O/ ..8 NE5 "ILFORD CT &,.., 1)% 1 ,* $$,8+#,$ & & & $&
8&$&%1&& 5E-STER -AN( CHESIRE CT &,*1& *)9 , 1$1 $,19+9*, & & % $8+$%1
81%8$.&& 5E-STER -AN( CHESHIRE CT &,*1& *)% $ ** $9#+#.% & & $ $$+%&&
8&$19%&& 5INDSOR CT &,&9% ,), $ #& $$$,+*8$ & & # $*+#%$
8$199%&& NE5 HA3EN CT &,%$& $ 1$ %81 $1&+1%1+,,. & & %$ $111+,98
8#1&#,&& 5ASHIN'TON DC $&&#, 1$)# *,1 #.$. $$9+%#&+8,% &), 1* $1#. $$&+.9%+918
8$8#.9&& 5ASHIN'TON DC $&&$, $)$ 1 *% $%,,+8$% #). 1 $. $#$%+8#$
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1998 COHORT DEFAULT RATE FOR LENDERS
8&.%81&& NE5AR( DE 19.1* *)1 $& *8$ $#+$,*+%%9 & & 1* $*$+.$8
8&.8#8&& )O) -O/ ,9.# NE5AR( DE 19.1* %)# 9# 1.%$ $1,+*8&+88# & & $8 $#,+1#&
81*119&& 5IL"IN'TON DE 198&# ,)* $ #1 $,&+#,8 & & & $&
8&$$&.&& 5IL"IN'TON DE &89&# $). 9 #$. $1+1$.+%&* & & 1% $%#+#99
8#1#1$&& NE5 CASTLE DE 19.$& & & #, $,8+81* & & 1# $*&+9.$
8#&$,&&& ORLANDO FL #$8&$ & & *$ $$98+.$& & & , $$.+$9&
8#18&*&& "IA"I FL ##1#1 1$)$ $*9 $&#* $9+9.#+#91 $)* 1$ *9& $$+$#,+1.&
8&$$8%&& 2AC(SON3ILLE FL #$$%, ,)1 #* %%, $1+9&#+.9% 9). $9 $9, $9&$+%,%
81$#*%&& NALES FL ##9*1 & & & $& & & *% $$*#+.,%
8&$#18&& FT) LAUDERDALE FL ###*& .)1 * %, $81+1$1 & & 1 $&
819%8.&& FT LAUDERDALE FL ###1& 8)1 . 8, $$1&+8&8 & & & $&
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1998 COHORT DEFAULT RATE FOR LENDERS
8&$#&1&& O -O/ *#19& 2AC(SON3ILLE FL #$$#1 & & #1 $%8+,1# & & & $&
8#$18$&& ST ETERS-UR' FL ##.1, % %& 98% $,+18$+**9 1)8 1 %# $*$#+$1.
8#$*1,&& "IA"I FL ##1#1 1)8 ,% #%98 $1#.+##&+*$% &), , 8,9 $9+%19+$.1
8#11.#&& 2AC(SON3ILLE FL #$$1, ,)8 * %8 $1*9+.&9 & & * $8+8%%
8##%8&&& "IA"I FL ##1#1 & & & $& 9)* % %# $#%,+,9.
8##&#$&& FL ###1* $)1 %& $#$9 $**+.91+.98 &)$ 1 *&$ $%+1&*+$99
81*&9,&& LAR'O FL #*,*1 & & #$ $$%,+#*9 & & 1 $,+1$%
818*%%&& RE'IONS -AN( ANA"A CIT! FL #$*&1 1$), 1# 1&# $.%8+,.& & & 1 $$+%*&
8&.8%%&& FL ###&9 1)* 1 ,9 $.#$+*#& & & $ $&
88888%&& L!NN HA3EN FL #$*** &)# 1 $%. $$+*%.+91$ % $,%% %#&$1 $#9&+,,1+###
89999#&& L!NN HA3EN FL #$*** & & 1& $#*+9,& $ #$1 1%.., $1&*+$%8+$9*
FIRST UNION
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1998 COHORT DEFAULT RATE FOR LENDERS
8#1,&*&& FL ##1,$ &). 1 1*1 $1+8##+9,% & & $ $&
8$.$&#&& LA(E "AR! FL #$.*, %)9 *9 8$, $*+1$*+$%. $)8 1 #% $1&1+%%8
88888.&& L!NN HA3EN FL #$*** #)1 $ ,# $1*8+$., &), ## %#,$ $%1+11*+%8%
818*,*&& O -O/ 119&* TA"A FL ##,8& 1)$ % *1* $$+.1#+,&8 1)1 % *1. $$+.1&+9,$
819$9*&& "IA"I FL ##1%$ .)$ 11 1%$ $#*,+9#1 & & # $&
8&$$*,&& SARASOTA FL #$*#, .)1 1& 1#9 $.&9+&8* & & # $&
8#&&8$&& "IA"I FL ##1&$ *)9 # ,1 $#8%+%&9 & & $ $1,+.#8
8#1,#*&& ANA"A CIT! FL #$*&$ & & #, $1#&+&98 & & #% $1#&+&98
8$,,%1&& CORAL 'A-LES FL ##1$* &)% $ #%% $.+9%&+&9. & & *& $*.%+*.8
81,1..&& AL-AN! 'A #1.&1 & & #, $1$1+#8, & & #% $1$1+#8,
8&$#88&& -AN( OF LENO/ LENO/ 'A #1,#. *)1 $ *8 $$19+..& & & 1# $,1+*%1
81,$98&& ATLANTA 'A #&#&$ #)9 $ %1 $1&&+#$8 & & & $&
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8#18%.&& ATLANTA 'A #&##9 1$), $%$ 199$ $.+&8%+$#1 $ 1 %& $8&+,#%
8$.&%.&& ATLANTA 'A #1119 #)9 1% #.9 $$+*.,+1&, & & 18 $1#,+8,*
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8$1#$1&& NORCROSS 'A #&&9$ *), #$ ,8, $$+.,&+8%1 %)% $ #, $1$*+8.#
8#$&%#&& HONOLULU HI 9,8&* #), 1& $.. $1+%.*+##1 1 1 9% $*$*+9%*
81*#9$&& -AN( OF HA5AII O -O/ $9&& HONOLULU HI 9,8*, 9)* $9$ #1&* $18+$8,+%%% 1&), *# *&$ $1+$19+118
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1998 COHORT DEFAULT RATE FOR LENDERS
8$.111&& O -O/ 11&. -ETTENDORF IA %$.$$ *). * 8% $*9#+**# & & , $8+%*1
8&*&81&& O -O/ 1*& SIOU/ CENTER IA %1$%& 1)$ 1 .. $#*,+**, & & 1% $$.+9.$
8&#89#&& DU-U8UE IA %$&&1 *)$ % 11. $*.&+.8% & & 1% $$,+&.9
81$%,1&& -AN( IO5A INDEENDENCE IA %&,** $). 1 #, $1.%+%8. & & # $1$+,$*
8&#899&& O -O/ 89. DES "OINES IA %&#&* $ $ 9, $*,*+*$, & & 8 $$8+9*.
8&#91,&& UR-ANDALE IA %&#$$ 1)8 , #$& $..#+8#1 & & 98 $$88+%.1
8&*1*%&& 5 DES "OINES IA %&$,, *)* 1. #8* $$+1*.+#1, &)# 1 $,% $1+.1*+8.9
8&*18$&& O -O/ 1*9 'RINNELL IA %&11$ $)1 1 *, $1&,+#1# & & 1 $1+%1&
8&#91$&& CARROLL IA %1*&1 %)$ $ #8 $11%+$.9 & & , $1%+$91
8&#91.&& #&1 IO5A A3E "USCATINE IA %$.,1 ,)1 # *9 $$&1+,#% & & # $$+%%$
8&*$&.&& CITIZENS -AN( O -O/ #,8 COR!DON IA %&&,& 8)$ 9 1&9 $*1#+8.# .)9 9 11# $*,$+1$8
8&*&8&&& FORT DOD'E IA %&%&1 $)8 $ .1 $$8.+#** & & 1$ $$*+&.#
8&#9$8&& SHELDON IA %1$&1 %)* $ #. $19.+.#% & & #1 $1.#+819
8$,9,*&& SHENANDOAH IA %1,&1 *)% $ ** $1,*+&#8 & & , $,+,.9
ALCOA
E"LO!EES
CREDIT UNION
A"ERICAN
STATE -AN(
A"ERICAN
TRUST 7
SA3IN'S -AN(
9TH 7 "AIN
ST+ O -O/
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$#& FIRST
STREET
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-O/ $$9
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1$, 5EST
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CITIZENS4
CO""UNIT!
CREDIT UNION
$&1$ 1ST
A3ENUE
SOUTH
CITIZENS STATE
-AN(
O -O/
1#&/8&8 #RD
A3E
CIT! NATIONAL
-AN(
11, SOUTH
-LOSSO"
1998 COHORT DEFAULT RATE FOR LENDERS
8#&1&1&& CLINTON IA %$.#$ %). $ #% $1#1+,81 & & % $1&+..8
8&#9#9&& O -O/ 1%1& CLINTON IA %$.#$ .)* % ,. $$#$+9%9 & & 19 $%,+.11
8&#9*$&& CEDAR RAIDS IA %$*&$ #), * 11& $*,&+,19 & & ,, $*&%+#%*
81*&%8&& IA %&$,, 11)1 . ,# $$9&+.#. & & 1& $$9+88*
8&#9,#&& O -O/ 11& DECORAH IA %$1&1 1). 1 %, $$#*+.., & & & $&
819%%9&& O -O/ #19 AN(EN! IA %&&$1 & & *% $$#$+&$, & & , $$9+$$$
8&#9,8&& DU-U8UE IA %$&&1 &), 1 1*% $8.9+.9$ & & 9, $,9&+91,
8&#9,9&& DU-U8UE IA %$&&* *)1 , 1*% $%9,+9.% & & $1 $#.+$$.
8$9&&#&& O -O/ #$%& DU-U8UE IA %$&&* $)$ $ 88 $,1%+.88 & & %8 $*$8+#.*
81.$8*&& ,&9-#8TH ST DES "OINES IA %&#1$ & & %& $#*$+98% & & %& $#*$+98%
8&*191&& "ARSHALLTO5N IA %&1%8 #)# 1 #& $1&8+.*1 & & 19 $1&&+%*9
8$#99&&& $*$& 18TH -ETTENDORF IA %$.$$ *)* $ *% $$&1+%&9 & & 8 $1*+9%.
8&#98&&& -URLIN'TON IA %$,&1 1& , ,& $1#$+,,1 & & % $1*+&$*
CLINCO CREDIT
UNION
111, SO 1*TH
STREET
CLINTON
NATIONAL -AN(
COLLINS
CO""UNIT!
CREDIT UNION
11%& *$ND
STREET+ NE
CO""ERCIAL
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%%&&
5ESTO5N
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CO""UNIT!
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HILLCREST 7
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DUTRAC
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EDCO
CO""UNIT!
CREDIT UNION
F7" -AN(-IO5A
CENTRAL
11 NORTH
1ST A3ENUE
FA"IL! CREDIT
UNION
FAR"ERS 7
"ERCHANTS
-AN( 7 TRUST
$$1
2EFFERSON
1998 COHORT DEFAULT RATE FOR LENDERS
8&*&&$&& "ARION IA %$#&$ % # ,& $#&1+*&* & & 9 $$$+11$
8&*$$1&& O -O/ .98 FORT DOD'E IA %&%&1 11)1 % *% $1,%+*9& & & $9 $1$9+9$9
81$#.1&& O -O/ 1.% ROC( 3ALLE! IA %1$*. & & #$ $88+#$. & & # $$+9..
8&#9$*&& CHARLES CIT! IA %&,1, *)$ $ *. $19&+,$8 & & . $$#+8*,
8&*$**&& CLARION IA %&%$% $)$ 1 ** $$#,+,&, & & #* $$$&+98#
8$.,98&& %TH ST) ERIE STOR" LA(E IA %&%88 *). $ *$ $1,*+##9 & & * $9+81%
8$&#18&& O -O/ 89. SIOU/ CIT! IA %11&$ *)$ 8 188 $8*1+,#% & & #, $9.+,&,
8$&#,$&& O -O/ 1$#. FORT DOD'E IA %&%&1 $)1 1 *, $$$&+&81 & & 1 $#+91*
8$&#1,&& DA3ENORT IA %$8&1 %)9 8 1#% $.%.+$$. & & 1. $*1+%8.
81#,%1&& A"ES IA %&&1& 1)9 $ 1&* $$9&+9,9 $)1 $ 9# $#*#+%&*
8&*&$%&& LE "ARS IA %1&#1 & & *# $$$9+1%. & & * $1%+*9%
8&*1*1&& "USCATINE IA %$.,1 .)1 * %, $$%,+,,1 & & , $1$+#9#
8&*&$$&& OEL5EIN IA %&,,$ & & #$ $1,9+,*9 & & * $9+,1$
8&*$*,&& SIOU/ CENTER IA %1$%& & & *, $$.9+%#% & & . $1&+*&9
FAR"ERS
STATE -AN(
1$*& 8TH
A3ENUE
FIRST
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FIRST -AN(
IO5A 93ALLE!
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1&1 5EST
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1 5EST
CHARLES
STREET
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1998 COHORT DEFAULT RATE FOR LENDERS
8&*&$9&& O -O/ 8#. 5A3ERL! IA %&,.. %)1 % 9. $,#%+*88 & & .8 $%,$+.$$
8&*&*$&& CHARLES CIT! IA %&,1, %). $ #% $1%*+%.. & & 19 $1*.+%&.
8&*&%&&& O -O/ .& 5E-STER CIT! IA %&%9% & & #$ $11#+&$. & & . $1%+$&&
8#&889&& IO5A FALLS IA %&1$, 9)* % %# $$$%+.%8 & & % $19+&9$
8&*&1$&& CARROLL IA %1*&1 %)# # %, $$*.+#.$ & & #. $$1#+*$9
8#&&#9&& $&$ "AIN ST) ALTA IA %1&&$ 1)8 1 %# $$1&+818 & & # $.+1$*
8&*&.,&& O -O/ 18# HILLS IA %$$#% 1)$ 1 81 $#1#+&.. & & % $#+881
8&*1.&&& IA %&$,, #)% $ %. $1.&+*&# & & # $%+%&,
8&*&91&& )O)-O/ 1$9 IO5A FALLS IA %&1$, .)# # *1 $19*+8%$ & & # $*+&,,
8&*&9$&& O -O/ .% COON RAIDS IA %&&%8 & & #1 $1#1+%%1 & & 11 $$.+.*%
8&*1&&&& O -O/ 1.&& IO5A CIT! IA %$$** *)* % 11# $*1*+*$$ & & . $18+%1*
8&*&9.&& ALTON IA %1&&# & & ,9 $$%.+$81 & & 1# $*#+%9$
FIRST NATIONAL
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CIT!
1&# #RD
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1998 COHORT DEFAULT RATE FOR LENDERS
8$.8$%&& DES "OINES IA %&#&9 & & $ $$+.9* #). $.% .#81 $#1+&$9+$,,
8&*1&%&& OS(ALOOSA IA %$%.. 8)8 * *% $1.8+.#* & & # $&
81$%%9&& IA %&$,% *)% % 1&9 $*1#+#%& & & $# $.&+$&*
8$9.%1&& O -O/ ,,% A"ES IA %&&1& 1)9 # 1%* $%#%+*$* & & .8 $*$,+91$
81*%,&&& 5ATERLOO IA %&.&* #)% 11 #1* $1+1,9+$&. & & $* $%&+8$8
8&*111&& (EO(U( IA %$,#$ 9)% * *$ $1#%+9&# & & % $8+,8$
8&*11.&& O -O/ 1*&8 LE "ARS IA %1&#1 *)* # ,. $#$9+#1* & & & $&
8&*1$1&& )O) -O/ E REIN-EC( IA %&,,9 & & ## $1&#+*&. & & # $1$+$9&
8#1#1,&& "A'NA -AN( DES "OINES IA %&#&9 *)$ 1# #&8 $89.+*19 & & * $1#+.1.
8#1#$$&& DES "OINES IA %&#&9 # $, 8** $#+,*8+%$& & & 8# $*&.+,%.
81**9%&& "A8UO(ETA IA %$&,& 8)8 # #* $1%1+### 9), # #1 $1%1+###
8$&#,1&& CLINTON IA %$.#$ #)9 $ %1 $18*+.*$ & & 8 $$*+$&$
8&*&$&&& IO5A CIT! IA %$$** 1)9 * $&* $9.#+#*# & & #. $9%+,*.
IO5A STUDENT
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18$.
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1998 COHORT DEFAULT RATE FOR LENDERS
81*&%%&& 5ATERLOO IA %&.&* $). $ .* $$#9+&#$ & & , $1*+*%$
8&*1*&&& O -O/ 188 "OUNT 3ERNON IA %$#1* $ 1 *9 $1%$+*8% & & , $1,+#9.
8#1&,*&& CHERO(EE IA %1&1$ %)$ $ #8 $1*$+... & & $ $&
8$$891&& SENCER IA %1#&1 $)$ * 1.8 $.,$+.%. & & $# $%.+9#9
8$*$9*&& O -O/ 9$8 LE "ARS IA %1&#1 #)# 1 #& $1%%+&11 & & % $1$+*#8
8&*1%1&& ORAN'E CIT! IA %1&*1 & & #. $11,+$1. & & # $&
8&*1%.&& O -O/ $#. CLARINDA IA %1,#$ 8)% * *. $$11+%.8 & & * $*+1.,
8$,.8,&& O -O/ 1%8 ROC( 3ALLE! IA %1$*. & & #* $1$$+,$8 & & 1# $$1+8#&
818*$8&& O -O/ %%. COUNCIL -LUFFS IA %1%&$ 1$)1 8 ,, $$*9+#$1 & & 1$ $$,+9*#
81$#8&&& DECORAH IA %$1&1 & & #$ $1*&+$8& & & $ $*+..9
8&*189&& SIOU/ CIT! IA %11&1 $)9 8 $.* $99&+*$% & & .. $$19+.1$
8&*19.&& O -O/ .& SHELDON IA %1$&1 ,)$ # *8 $$$1+&&9 & & #$ $$&8+99*
8&*$1$&& O -O/ $9 HARLAN IA %1%#. 8)% * *. $19#+$88 & & 8 $$8+%.#
8&*$##&& 1$* 1ST SE 5A3ERL! IA %&,.. $)# 1 *$ $1,%+1&* & & $ $*+&%*
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1$1& SOUTH
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UNION
NORTH5ESTER
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1$$ CENTRAL
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STREET
SECURIT!
STATE -AN(
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1998 COHORT DEFAULT RATE FOR LENDERS
8#1.8#&& DES "OINES IA %&#&9 $)9 1 #* $$&,+%%# & & 9 $$$+188
81$#%%&& SIOU/ CIT! IA %11&# $)$ 1 *% $19*+%** $)# 1 *# $19*+%**
8&#9$#&& O -O/ 1$$. STOR" LA(E IA %&%88 $), 1 #8 $$..+*%, $). 1 #. $$..+*%,
8#&*$&&& CRESTON IA %&8&1 1)% 1 ,, $$#8+&.& & & 1& $$#+1&*
8&$9,8&& DES "OINES IA %&#&9 %). %$ 898 $*+&.,+&$1 & & $9% $1+%%*+8#$
8&*1*,&& DES "OINES IA %&#&9 , $* #98 $1+,*,+#,9 , 19 #1* $1+*&.+1#,
8$&8&.&& DES "OINES IA %&#&9 . $# #$8 $,#1+%$. * 1, #99 $1+8&&+8,$
8$81$1&& DES "OINES IA %&#&9 *). $ *$ $1$#+899 & & $ $$11
819*.,&& 5INTERSET IA %&$.# & & #& $1$,+989 & & $* $9,+.,1
8&*&88&& IDA 'RO3E IA %1**% $)1 1 *. $#*&+$18 & & #% $$88+#*&
8&#9,.&& O -O/ 1,. "ILFORD IA %1#%1 & & #& $19%+98, & & 1* $,1+%8$
8$*8&8&& O -O/ $$*& IO5A CIT! IA %$$** $), % 189 $9$,+%%* & & 8 $$.+**#
8#199.&& IDAHO FALLS ID 8#*&# 8)% # #% $1.$+9#9 8)% # #% $1.$+9#9
STATE
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1*$& TRI 3IE5
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18&&
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1998 COHORT DEFAULT RATE FOR LENDERS
81*,%&&& -OISE ID 8#.&9 *)* # ,8 $1,8+8,, & & # $11+#&.
8##*&#&& "ERIDIAN ID 8#,*$ & & & $& 9), .. .9* $$+,.8+18$
8$.9&%&& OCATELLO ID 8#$&9 8 11 1#, $#99+99& & & $ $,9#
8$.11,&& O -O/ 1&&& FRUITLAND ID 8#,19 & & & $& #)$ 1& #&* $8%.+*%#
8#&..$&& A!ETT ID 8#,,1 & & 1*# $1+&&&+#.% & & 1*$ $1+&&&+#.%
8#&%&9&& "OSCO5 ID 8#8*# #)1 1 #$ $%$+%*. & & 11 $19+$.,
8$%#$9&& O -O/ $8,9 IDAHO FALLS ID 8#*&# 1)* 1 ,. $1%#+1.. & & & $&
8&#1*#&& CHICA'O IL ,&,$% ,)8 % .# $.8%+,19 & & $1 $99+#9%
8&$.1#&& ROC(FORD IL ,11&. 1)* 1 .1 $$#9+1.* & & $8 $,9+.#*
819*8#&& CHICA'O IL ,&,&# % $ *& $$89+*,9 & & 1, $1&1+$.1
8$$*&9&& A"CORE -AN( O -O/ 1%#. ROC(FORD IL ,111& #)8 9 $#* $1+.#1+9&$ & & $8 $98+#.,
8&$.9,&& STERLIN' IL ,1&81 #)# , 1.9 $,#.+*.9 & & 18 $1,+%,$
CAITAL
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1998 COHORT DEFAULT RATE FOR LENDERS
8&$8*.&& STERLIN' IL ,1&81 $)$ 1 ** $$#&+91. & & 18 $%%+#%8
8&$91&&& 5OODSTOC( IL ,&&98 $)# 1 *# $#$#+8.* & & 1% $$.+%&1
8$9#..&& 2OLIET IL ,&*#1 & & 1## $**%+##. & & , $#+8$&
8&$.#$&& OA( AR( IL ,&#&1 # $ ,, $#*$+#,* $)8 1 #% $1%9+###
8$$1*1&& O -O/ .1.& -UFFALO 'RO3E IL ,&&89 $)9 $ ,8 $1.$+.&1 & & $* $#%+&,,
8$88&1&& CAR-ONDALE IL ,$9&1 1*)8 1$ 81 $#*,+#8$ & & $% $9#+,1&
8&$.*%&& ED5ARDS3ILLE IL ,$&$% 9 1# 1** $#98+1,& & & $& $*,+%1&
8&$.%&&& HO"E5OOD IL ,&*#& #)1 1 #$ $%%+$,1 & & % $9+$#8
8&$.%%&& LINCOLN5OOD IL ,&,*, & & ## $$*#+,** & & $9 $$11+99%
8$*%,.&& 8$, E 9TH ST LOC(ORT IL ,&**1 #)$ 1 #1 $#,#+9., & & . $#8+8.%
81..*9&& -AN(ILLINOIS O -O/ *&$8 CHA"AI'N IL ,18$* $). 1 #. $1%1+#$1 & & 18 $%9+898
8$#$,8&& CHICA'O IL ,&,&# ,)$ # *8 $$.#+#&9 & & 1% $%.+.8,
8$19%8&& "ATTESON IL ,&**# 8 8 99 $,#8+*%. & & $9 $1*.+.%.
8$.$*#&& O -O/ 11&& "ILAN IL ,1$,* 1)9 1 %$ $$,9+#$, & & 1$ $#8+.&$
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1998 COHORT DEFAULT RATE FOR LENDERS
8&$..$&& -ELLE3ILLE IL ,$$$$ # * 1#& $#.8+1*# & & 1$ $11+%&&
8&$8&#&& CHARLESTON IL ,19$& *)9 % 1&$ $#1#+*9$ 1). 1 %, $$&9+8,1
8&$.8%&& -USE! -AN( UR-ANA IL ,18&1 ,)9 #$ *%9 $$+11#+.%# & & $1# $1+1#,+18%
8&$.9&&& O -O/ *%& CARLIN3ILLE IL ,$,$, .)% # *& $19.+%&# & & 8 $*1+$8.
8$*8&$&& CENTRAL -AN( 'RANITE CIT! IL ,$&*& %)# * .% $$%&+9#$ & & 1$ $%8+&#8
81$198&& -LOO"IN'TON IL ,1.&$ 1)8 * $1, $*&$+&98 & & $$ $*,+$8#
8$#%19&& CHARTER -AN( O -O/ $#8 SARTA IL ,$$8, #)# # 89 $*9.+9#$ & & *& $19#+819
8&$9&#&& CITI-AN( F) S) -) CHICA'O IL ,&,&$ $)$ 1& *%1 $,9.+8*% & & *$ $*,+#&8
8$91#1&& "T 3ERNON IL ,$8,* %)8 # %1 $#$&+8$* & & 9 $%$+8,*
8&$81&&& RINCETON IL ,1#%, #)1 $ ,# $$,.+8*9 & & $9 $9%+8%#
8&$81*&& "ACO"- IL ,1*%% .), %, .## $*+9%1+&$$ & & 1*& $%$*+$#*
8$.898&& ED5ARS3ILLE IL ,$&$% & & #& $81+8,, & & . $#1+,#1
8$%$81&& -UR-AN( IL ,&*%9 $). 1 #, $11*+*%1 & & 11 $$9+.$&
-OAT"EN4S NAT
-AN( OF
-ELLE3ILLE
$# U-LIC
S8UARE
-OAT"ENS
NAT4L -AN( OF
CHARLESTON
*18 SI/TH
STREET
O -O/ *89+
STUDENT
LOANS
CARLIN3ILLE
NATIONAL -AN(
##&#
NA"EO(I RD)
CHA"ION
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11% EAST
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$$ 5)
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STREET
SUITE %%&
CITIZENS -AN(
OF ILLINOIS
11. NORTH
1&TH+ ATTN A)
(A-AT
CITIZENS FIRST
NATIONAL -AN(
OF RI
,&, SOUTH
"AIN STREET+
'INA DO5
CITIZENS
NATIONAL -AN(
OF "ACO"-
1$. SOUTH
SIDE S8UARE
CLO3ER LEAF
-AN(+ S-
$&& EAST
AR( STREET
COLE TA!LOR
-AN(
%%&1 5EST
.9TH STREET
1998 COHORT DEFAULT RATE FOR LENDERS
8&$8$,&& CHICA'O IL ,&,%, * $ *9 $#**+%&$ & & % $*+.%%
8&#1%%&& CO"ERICA -AN( "ORTON 'RO3E IL ,&&%# ,)* * ,$ $1#1+%$& & & 1, $$&+&,9
8&$.9*&& EORIA IL ,1,%, *), 1* #&$ $9*&+#%, #)# 1 #& $*#+%#.
8&$8#8&& IL ,&&.# *), * 8, $,89+.%8 & & $8 $$$9+9,#
8&$8#.&& CHICA'O IL ,&,9. & & ,1 $*%+.#9 & & 11 $8+1&$
81.8*,&& CORUS -AN( CHICA'O IL ,&,$% 9)1 *,1 %&*9 $*%+#&8+,.. 1$), *.& #.1$ $#$+*,#+*$$
8$9$%,&& CORUS -AN( CHICA'O IL ,&,$% %)* 1, $9# $1+%$#+#&% & & 11$ $%*#+9#8
8#1.#*&& CREDIT UNION 1 O -O/ 1&& RANTOUL IL ,18,, %)1 % 9. $,#%+9,% & & $% $1%.+991
8&$8*#&& O -O/ ##9 "OLINE IL ,1$,, .)$ * %% $$#8+&9. & & 1* $#.+81#
81$$1,&& EAST "OLINE IL ,1$** $)% 1 #9 $.9+#,* & & $ $$+,&$
8#1,*#&& CHICA'O IL ,&,1& &)8 1 11# $%+$&#+9,8 & & *# $1+.%.+181
8&$8%%&& O -O/ .,. EFFIN'HA" IL ,$*&1 .)% * %# $1,,+%&& & & #& $,$+%&.
81..81&& ERIE IL ,1$%& & & *$ $$*.+#$* & & 1# $1,+,$1
COLU"-IA
NATIONAL -AN(
OF CHICA'O
%$%& N
HARLE"
A3ENUE
8.&& N
5AU(E'AN
ROAD
CONSTRUCTION
E8UI"ENT
CREDIT UNION
O -O/ 1.1%
%.&& "IDDLE
RD
CONSU"ERS
COOERATI3E
CREDIT UNION
$,$, NORTH
ROUTE 8#
ROUND LA(E
-EACH
CONTINENTAL
ILLINOIS
NATIONAL -AN(
$#1 SOUTH
LASALLE
STREET
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5ESTERN
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STUD LN
*8&& NORTH
5ESTERN
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CO"AN!
CREDIT UNION
DEERE
HAR3ESTER
CREDIT UNION
11&1 1#TH
A3ENUE
DR SCHOLL
COLLE'E OF
ODIATRIC "ED
1&&1 NORTH
DEAR-ORN
ST
EFFIN'HA"
STATE -AN(
ERIE STATE
-AN(
91% 8TH A3E
-O/ ,%&
1998 COHORT DEFAULT RATE FOR LENDERS
8&$8.8&& O -O/ $.& 'ENESEO IL ,1$%* * $ %& $$$#+%99 & & , $,+$91
81911$&& O -O/ ##& FERRIS IL ,$##, & & #. $%+98& & & #, $&
8&#&98&& 2OLIET IL ,&*#% $)$ 1 *% $$1&+%*, & & 1& $*,+%9*
8&$89.&& FIRST -AN( O -O/ 1#& IL ,$89, & & #9 $& & & # $&
8&$91$&& FIRST -AN( O -O/ $,. CHESTER IL ,$$## & & #. $& & & # $&
8&#$11&& FIRST -AN( O -O/ 1& SALE" IL ,$881 & & *8 $1.+.19 & & 8 $1$+.19
8$1#91&& FIRST -AN( HA3ANA IL ,$,** & & *# $#+*1$ & & 1 $&
8$,1%,&& COLU"-IA IL ,$$#, & & ,9 $*+%&& & & % $&
8$.11%&& DEERFIELD IL ,&&1% 8)8 * *% $1%,+1&1 & & & $&
8$,*,*&& 1&8 N "AIN ST EURE(A IL ,1%#& %). $ #% $1$*+%9& & & 1& $*,+#*%
8$,#*9&& RED -UD IL ,$$.8 & & %# $$+&.1 & & 1 $&
8&$.8$&& O -O/ #%,, 8UINC! IL ,$#&% %)9 . 118 $.11+81& & & #& $11#+9,,
8##%$,&& CHICA'O IL ,&,&$ & & & $& 1 18 1.11 $1*+1%*+%..
8&$9%,&& "ATTOON IL ,19#8 11)1 , %* $1*&+&.* 8)# 1 1$ $*+&.$
FAR"ERS
NATIONAL -AN(
OF 'ENESEO
FAR"ERS
STATE -AN( OF
FERRIS
FIRST
A"ERICAN -AN(
181$ 5EST
2EFFERSON
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5EST
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AS TRUSTEE
FOR CORUS
ONE NORTH
STATE ST)9TH
FL) STE)&1$,
FIRST "ID-
ILLINOIS -AN( 7
TRUST
O -O/ *99+
1%1%
CHARLESTON
A3E
1998 COHORT DEFAULT RATE FOR LENDERS
8&#1&.&& 3ERNON HILLS IL ,&&,1 %). * ,9 $**$+$$% & & 18 $.%+*,9
8&$81$&& 3ERNON HILLS IL ,&&&, *)1 18 *#, $1+.**+&%8 %). $ #% $8+&$%
8&#$9$&& 2OLIET IL ,&*#1 #)# # 9& $#%#+1,& & & 1. $##+&,*
8&$9*,&& 2OLIET IL ,&*#% $)8 # 1&. $%8,+1&& & & *# $1$%+**8
8&$9.*&& SRIN'FIELD IL ,$.&1 1)8 1 %* $$$&+%.# & & 1# $1.+81$
8&$9,9&& O -O/ $$$. CAR-ONDALE IL ,$9&$ 8)9 %* ,&, $#+$8#+&&1 & & 1$1 $,%.+8*9
8&$9,%&& DE(AL- IL ,&11% ,)* 1, $*8 $1+.9&+$1, & & 1#* $8*,+$$#
8&$9$9&& -LUE ISLAND IL ,&*&, #)$ 1 #1 $.#+##$ & & , $1.+9#.
8&$9.%&& )O)-O/ 1&1& DAN3ILLE IL ,18#* & & 1$. $& & & 1$, $&
8&#$.%&& 1#& N 5ATER DECATUR IL ,$%$% & & #* $1$8+,$9 & & 11 $$&+$.9
8&$98$&& O -O/ #,8 STERLIN' IL ,1&81 & & *8 $1$9+%%1 & & $% $%8+*$#
8#18$%&& SRIN'FIELD IL ,$.&8 , 1*& $##$ $1$+$9$+*8% &)1 1 88* $#+9&%+#&,
8&$9.$&& CHA"AI'N IL ,18$& & & #1 $*$+81& & & . $%+*&$
FIRST "ID5EST
-AN(
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9*%
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STE 1.&
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STREET
FIRST NATIONAL
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8&1
ESSIN'TON
RD)
FIRST NATIONAL
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$&% SOUTH
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FIRST NATIONAL
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TRUST CO"A
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1*1 5
LINCOLN H5!
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ISLAND
1#&%. S
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DAN3ILLE
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DECATUR
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DRI3E O
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A"ERICA
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1998 COHORT DEFAULT RATE FOR LENDERS
8&$8$#&& ROC(FORD IL ,1,%$ *)# 1, #.1 $1+.8*+#8# & & %& $18&+%$9
8&#&#.&& 5HEATON IL ,&18. 1)% $ 1#& $188+9.9 & & #& $#1+,**
81$$$&&& 'LEN3IE5 IL ,&&$% & & 1&8 $...+%#& & & 1% $1#*+**$
81$$*#&& IL ,&*11 $)9 # 1&# $1+&#$+$8* & & #% $$*1+9.$
8$1##8&& -LD' $9& 'REAT LA(ES IL ,&&88 1), 1 %9 $$8.+.81 & & . $$%+,9%
8$*9*#&& 1$%$ N) LA(E AURORA IL ,&%&, #)# . $&, $1+,&%+1,% & & *. $*1.+$#8
81*&,.&& 1 E "AIN ST ST) CHARLES IL ,&1.* $)1 1 *. $*$1+*., & & 11 $%&+*%9
8&#&%&&& CHICA'O IL ,&,&# *), 18 #8. $$+8#*+#&1 & & 119 $888+8%,
8&#&%1&& 1 NORTH 3INE HARRIS-UR' IL ,$9*, & & *8 $$%+&98 & & 1# $&
8$.%*$&& RI3ERDALE IL ,&,$. #)% . 198 $1+*,%+&9* & & 119 $,.1+,1*
8&#1,9&& IL ,&*11 $)9 1 #* $18*+.1# & & 1& $#.+*%8
8&#&9*&& 5OOD DALE IL ,&191 ,)8 ,,9 9.1. $18%+%$*+%,# 1), $, 1%%* $1%+&$9+%%,
8#&,$8&& IDA DEERFIELD IL ,&&1% 1&)# 1&9 1&%* $$+#&*+,9, .)# 1.* $#8& $.+9$#+9&*
FIRST OF
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HEI'HT
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CREDIT UNION
HARRIS -AN(
AURORA+ NA
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CHARLES
HARRIS TRUST
AND SA3IN'S
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HERITA'E
OL!"IA -AN(
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LAZA
CHICA'O
HEI'HTS
HOUSEHOLD
-AN(+ STUD
FINANCIAL S3CS
.&& 5OOD
DALE ROAD
1.%% LA(E
COO( RD)
1998 COHORT DEFAULT RATE FOR LENDERS
8&$8%#&& ROC( ISLAND IL ,1$&1 8)* 1. $&$ $91$+**# & & ,9 $#11+%1&
8$,#%1&& DEERFIELD IL ,&&1% & & 1 $& ,)9 1&1* 1*%&% $1&,+8,&+#.,
8&#$,,&& IL ,$$&8 .)8 # #8 $#%+,#, & & % $,+$%&
8$#.$8&& O -O/ 1#,& EL'IN IL ,&1$1 *)$ $ *. $189+8.$ & & 9 $$9+1%&
8&#&8*&& (AN(A(EE IL ,&9&1 $). $ .$ $#9,+899 & & $$ $1&1+8$.
8$111,&& LA(ESIDE -AN( CHICA'O IL ,&,1, 1$)1 * ## $1*&+*%8 & & 8 $18+%9.
8&$.**&& FAIR3IE5 HTS IL ,$$&8 & & #$ $*8+.%9 & & 1$ $#1+1%1
8$$9#9&& CHICA'O IL ,&,%. *)$ $& *.# $*+&.$+%,8 &)9 1 1&* $*#$+&#&
81$$&%&& CHICA'O IL ,&,*1 # $& ,,* $%+19&+$9# & & $&8 $.$1+#%%
8&#&88&& LASALLE IL ,1#&1 # 1 ## $18&+#*$ & & , $$%+##9
8&#1,&&& CHICA'O IL ,&,*1 & & #$ $1*+8*1 & & $& $%+.&&
8$.8%%&& HINSDALE IL ,&%$1 *)8 $ *1 $19&+*&1 $), 1 #8 $188+&9.
IH "ISSISSII
3ALLE! CREDIT
UNION
)O) -O/
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%TH A3ENUE
ILL)
DESI'NATED
ACCOUNT
URCHASE R
1.%% LA(E
COO( ROAD
ILLINI FEDERAL
SA3IN'S AND
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ILLINOIS
FAIR3IE5
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TEACHERS
CREDIT UNION
(AN(A(EE
FEDERAL
SA3IN'S -AN(
#1& SOUTH
SCHU!LER
A3ENUE
$$,8 SOUTH
"ARTIN
LUTHER
(IN'DRI3E
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#$&1 N
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1&%
"AR8UETTE
ST)+ )O) -O/
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LASALLE
NORTH5EST
NATIONAL -AN(
*.*. 5)
IR3IN' AR(
RD)
LI-ERT!
FEDERAL
'RANT
S8UARE
1998 COHORT DEFAULT RATE FOR LENDERS
8&#119&& -O/ 1$.8 DECATUR IL ,$%$, & & #* $**+1,& & & $& $11+#.8
8&#1&%&& ORLAND AR( IL ,&*,$ 1), 1 ,1 $$*8+$,$ & & 1% $**+#,%
8&#1.$&& ORLAND AR( IL ,&*,$ #)# % 1*8 $1+11$+,81 1), $ 1$& $98$+1%&
8&$9#8&& 'ALENA IL ,1&#, #)1 1 #$ $1%8+*%* & & 9 $1.+19#
8&$.1*&& ALTON IL ,$&&$ %)* 8 1*. $%.*+11. & & 11 $%&+*&.
8&$8%9&& 2AC(SON3ILLE IL ,$,%& #)# 1$ #%, $$+,#$+$.. & & 1%# $1+&%8+&,%
8&$98%&& O -O/ %1. ALTON IL ,$&&$ & & #1 $1$%+9.9 & & . $19+.$.
8&#$*.&& O -O/ #& FREEORT IL ,1&#$ 8)% 1# 1%$ $9#*+..* & & %$ $1.#+*9.
8&#11$&& O -O/ #.1 8UINC! IL ,$#&1 1#)% $, 19$ $99.+$$1 & & #1 $1&,+11$
8&#11*&& AURORA IL ,&9&. %)8 # %1 $$.*+&%. & & 1% $91+%&9
8&#$#8&& "ETRO-AN( EAST "OLINE IL ,1$** *)# $# %$* $#+811+#,% *)$ 18 *$& $#+$#*+#99
8$9*&*&& NAER3ILLE IL ,&%*& #). . 18, $1+,##+#9* & & %$ $$*$+1$,
8&#$.9&& "ACO"- IL ,1*%% $ 1 %& $*#*+%9* & & #$ $$8.+#&*
"A'NA "ILLI(IN
-AN( OF
DECATUR
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9,1$ 5)
1*#RD ST)
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9,1$ 5EST
1*#RD ST
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11% 5) ERR!
STREET
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1%$&
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ILLINOIS N)A)
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ILLINOIS
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TRUST 7
SA3IN'S -AN(
"ERCHANTS
NATIONAL -AN(
OF AURORA
#* SOUTH
-ROAD5A!
.&1 *$ND
A3E; ATTN6
2ONATHAN
AUL
"IDA"ERICA
-AN(+ FS-
1#&8 SOUTH
NAER -L3D
"IDA"ERICA
NATIONAL -AN(
1#& N) SIDE
S8UARE
1998 COHORT DEFAULT RATE FOR LENDERS
8$.*#8&& -RID'E3IE5 IL ,&*%% ,)$ $ #$ $1$#+$1% & & $* $89+.&,
8#1*$8&& IL ,&%1% & & 1*. $8+,8$+8.. & & 1# $,.+1$1
8&#$8%&& O -O/ $,& "ON"OUTH IL ,1*,$ 1). 1 %. $1$8+$,. & & 11 $##+981
8$8%,$&& -OUR-ONNAIS IL ,&91* #)% 19 %#8 $#+#%*+8.$ & & *1 $1&8+,*.
8$$$&,&& S!CA"ORE IL ,&1.8 ,)$ $ #$ $$#8+&%& & & 1& $&
81.,$&&& O -O/ #1& CANTON IL ,1%$& #)$ 1 #1 $$*1+#.& & & 8 $%$9
8$,9*.&& "ORTON IL ,1%%& ,). $#* #*81 $18+1*&+18* &)$ . $.%9 $1,+118+19,
8&$8$8&& "ORTON IL ,1%%& 8)* #*& *&&. $$&+199+,8. &)$ # 11&8 $%+8$,+88&
8&$.#%&& IL ,&&&* %), % 89 $$11+$8$ & & #& $#&+&$#
8&$98,&& O -O/ .9 EL'IN IL ,&1$1 , $ ## $%,+.8% & & % $$&+%*9
8&#1%&&& 11& 5 "ALE NE5 LENO/ IL ,&*%1 & & 1&* $..&+&.1 & & *$ $1&.+%1*
8&#1%8&& CHICA'O IL ,&,#1 & & *1 $%*+#*. & & 1$ $.+$%$
8&$9*9&& LA(E FOREST IL ,&&*% # 1 ## $1%+%,. & & % $&
"IDLAND
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SA3IN'S -AN(
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7 TRUST
CO"AN! OF S!
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STATE
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OF CANTON
NATIONAL CIT!
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8& E
2EFFERSON
STREET
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2EFFERSON
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N-D ARLIN'TON
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HI''INS
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1998 COHORT DEFAULT RATE FOR LENDERS
8$*$$1&& CHICA'O IL ,&,#1 %)1 8 1%* $,,#+1#9 & & %, $$#1+*8&
8$*%,%&& E3ANSTON IL ,&$&8 &). 1& 1$9& $$%+,91+8,1 & & $$. $$+9*9+*.$
8&$.%9&& OA( -ROO( IL ,&%$1 .)% 9 1$& $,9.+##, .)8 9 11* $,%9+$1&
8&$8,&&& OLD (ENT -AN( CHICA'O IL ,&,&, 1). , #*& $1+1%#+1** & & *. $%9+,,.
8&#$1%&& CHICA'O IL ,&,&, & & %& $,1+&89 & & . $1,+,,,
8&#1,.&& AURORA IL ,&%&. #)1 # 9* $#&8+%*8 & & 1% $*&+*9.
8$*,9.&& ADDISON IL ,&1&1 *)8 $& *1, $#+*$$+$#% 1)$ 1 .8 $*$&+%%.
8$*8&&&& DAN3ILLE IL ,18#$ 8)1 1$ 1*. $%&,+*.9 & & 19 $&
8&#1..&& ALOS HEI'HTS IL ,&*,# 9)# . .% $*,.+98# & & $# $1#*+$9#
81.%88&& "ATTESON IL ,&**# 1)$ 1 81 $1%*+*9% & & $, $.#+$$$
8&$918&& EOLES -AN( NOR"AL IL ,1.,1 1), 1 ,1 $1,,+1.$ & & % $#+$%#
8$1$1%&& -OUR-ONNAIS IL ,&91* ,)$ $ #$ $1&$+$&, & & * $#+.%&
8&#18%&& (E5ANEE IL ,1**# * $ %& $11*+1## & & . $&
8$119$&& CHICA'O IL ,&,%9 #)# 1 #& $1&,+,,& & & 9 $#*+#8*
NORTHERN
TRUST
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TRUST
11&& 5EST
LA(E STREET
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NATIONAL -AN(
$ 5EST "AIN
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AND TRUST
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OF (E5ANEE
$&. N
TRE"ONT ST
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-AN(
#$#$ 5
ETERSON
A3E
1998 COHORT DEFAULT RATE FOR LENDERS
8$9&##&& O -O/ *.%& ROC( ISLAND IL ,1$&* 9)* 1$ 1$. $,,,+&$1 & & %. $##8+%1&
8&#1#1&& NAER3ILLE IL ,&%,, 1). 1 %8 $$8$+88# & & $* $%8+8.$
8#1,%9&& IL ,$$$% & & #* $1$%+8%& & & $ $&
8199,.&& CHICA'O IL ,&,19 1&)$ 1& 98 $,*1+8#1 & & $. $1%&+%$,
8$.%11&& CAR-ONDALE IL ,$9&$ %)8 . 1$& $,%.+8$% ,)% , 9$ $%#8+8,&
81%.1$&& SOUTH HOLLAND IL ,&*.# 1)# 1 .# $$$%+&&% & & 1& $1&+$1%
8&#$$#&& CHICA'O IL ,&,*9 18). , #$ $$$,+&,* & & 9 $*.+*#&
8&#$$%&& "OLINE IL ,1$,% % # %9 $$89+&#1 & & 1, $%,+198
8&#$$,&& DECATUR IL ,$%$1 #)$ 1 #1 $9.+*8$ & & 9 $$+#$1
8$&1.%&& IL ,&8&% *)8 # ,$ $*%8+$1& & & #% $1$#+&.*
8$*1%$&& -URR RID'E IL ,&%$1 $ 1 *8 $8$+8., & & 1$ $1#+*#&
81$19*&& ANTIOCH IL ,&&&$ & & ** $#88+&.$ & & 1$ $$#+#8$
8&#$,1&& -REESE IL ,$$#& & & ## $1*+#9$ & & $1 $&
8$#*,#&& LINCOLN IL ,$,%, 1,)$ , #. $9.+1,. & & # $&
R)I)A) FEDERAL
CREDIT UNION
RE'ENC!
SA3IN'S -AN(
$* NORTH
5ASHIN'TON
STREET
SCOTT CREDIT
UNION
5 5INTER 7 2
STREETS
SCOTT AIR
FORCE -ASE
SEA5A!
NATIONAL -AN(
OF CHICA'O
,*% EAST
8.TH STREET
SIU CREDIT
UNION
1$1. 5 "AIN
ST/O -O/
$888
SOUTH
HOLLAND TRUST
7 SA3IN'S
-AN(
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STREET
STATE -AN( OF
-REESE
%%& NORTH
$ND STREET
STATE -AN( OF
LINCOLN
%&8
-ROAD5A!
1998 COHORT DEFAULT RATE FOR LENDERS
8$8*$%&& IL ,&181 & & *$ $119+9%& & & 1, $*.+$*$
8$899%&& CAIRO IL ,$91* & & #& $9*+1&% & & 1$ $#,+%*1
8&*#*,&& CHICA'O IL ,&,,1 1#)1 $, 198 $,&.+&%1 & & $8 $11*+,99
8&$.%,&& "ARION IL ,$9%9 .), * %$ $1,&+%1# & & * $,9*
8&#&,&&& E(IN IL ,1%%* $), 1 #8 $$$.+,8$ & & 1* $8*+%8$
8$%&%$&& A3ON IL ,1*1% & & ## $$,+%89 & & $8 $1&+,91
8&#$8$&& O -O/ 1#$%% SRIN'FIELD IL ,$.91 .)% 8 1&, $%,,+*.# 1)8 $ 1&9 $%98+,$%
8$.1%#&& STREATOR IL ,1#,* %)1 $ #9 $119+.8* & & 1* $&
818$.&&& 'ILLESIE IL ,$&## $ 1 *8 $$#%+.&* & & $% $9%+1.$
8$9#,,&& CHICA'O IL ,&,#$ %)$ $ #8 $#$8+#9# & & , $&
819,*8&& CHICA'O IL ,&,1% #), $ %% $%$9+911 $ 1 *8 $*,&+**8
8$*%1*&& CHICA'O IL ,&,#. &)9 % %$% $%+,%#+9%% & & 8 $#.+#8*
SUERIOR
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STREET
UNI3ERSIT! OF
CHICA'O ATT L
LANFEAR
%8&1 S ELLIS
A3E OFF OF
-URSAR 1&1
1998 COHORT DEFAULT RATE FOR LENDERS
8&#$9*&& O -O/ %&& CHA"AI'N IL ,18$* 1), 1 ,$ $$$.+*## & & $, $%+.%,
8$%$,.&& CHICA'O IL ,&,*& % # %9 $%,$+8&, & & $% $1*.+,*8
8&#$99&& 3ILLA AR( IL ,&181 & & #& $%9+998 & & # $&
8$##%#&& LO"-ARD IL ,&1*8 ,)1 1, $,& $$+&,8+..% $)1 1 *. $$*#+%#,
8&#%&8&& O -O/ 1,&$ SOUTH -END IN *,,#* * . 1.* $.#&+#&1 & & *% $$#*+&#8
8&###.&& O -O/ *#8 3INCENNES IN *.%91 1#)# $8 $&9 $9*9+8,8 1*)$ 1 . $1.+,$$
8&##*$&& "UNCIE IN *.#&8 .)1 # *$ $1%9+$1, & & * $19+#9#
8&#8&%&& HA""OND IN *,#$& %). $1 #,* $1+%9&+#&1 .)$ 8 11& $*$#+*#8
8$.$*%&& O -O/ 19$9 HI'HLAND IN *,#$$ & & .$ $#,*+%1, & & # $1#+$.8
8#$..1&& INDIANAOLIS IN *,$&, & & & $& $)9 % 1,9 $*1,+1$.
8##1.$&& INDIANAOLIS IN *,$.. & & & $& *)8 # ,$ $$8,+.8$
8$*,9&&& O -O/ ,18& INDIANAOLIS IN *,$&# & & & $& *). $%$& %#&9. $#*1+81#+$99
8##$1,&& INDIANAOLIS IN *,$.. & & & $& %)8 $ #* $1*1+88*
UNI3ERSIT! OF
ILLINOIS
E"LO!EES CR
UTO5N
NATIONAL -AN(
OF CHICA'O
*.%# NORTH
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3ILLA AR(
TRUST 7
SA3IN'S -AN(
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A3ENUE
5EST
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A3E
1ST SOURCE
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A"ERICAN
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11& EAST
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1998 COHORT DEFAULT RATE FOR LENDERS
8#&89%&& O -O/ 1&1$9 "ERRILL3ILLE IN *,*1& #)* 18 %1. $#+#%*+8&* & & ** $%1,+,8#
8#$..%&& )O) -O/ ,18& INDIANAOLIS IN *,$&, & & 1 $$+.%, 1$)* 18,. 1*9#. $.,+*1.+.&%
8##18*&& INDIANAOLIS IN *,$&, & & & $& 1). 1 %, $1%9+&18
8&##8$&& (ENDALL3ILLE IN *,.%% & & #% $$$*+&18 & & 1 $&
81$#&&&& CENTIER -AN( 5HITIN' IN *,#9* $)$ 1 *% $19*+8%. & & . $$9+%$%
81.%1.&& COLU"-US IN *.$&1 8)1 1$ 1*. $.98+9,# 8)8 1$ 1#, $.98+9,#
8&#*$$&& CITIZENS -AN( "OORES3ILLE IN *,1%8 *)% $ ** $18,+,,& & & % $1*+#8*
8$9*#%&& .&. RID'E RD "UNSTER IN *,#$1 1)$ 1 81 $#.&+18& & & % $$#+%..
8&#*&.&& O -O/ 1%9 TELL CIT! IN *.%8, & & *8 $$18+.*$ & & 1# $%*+,,$
8&#*&8&& CI3ITAS -AN( O -O/ ##*1 E3ANS3ILLE IN *..#$ #). #. 989 $*+8&8+&8, 1)# * $9* $1+&1#+991
8&#**,&& DE"OTTE IN *,#1& & & *, $#1,+8#9 & & 1 $#+***
8&#**.&& 2ASER IN *.%*, #)$ $ ,$ $#1$+9.& %)$ 1 19 $1$&+11.
8$,,.9&& O -O/ .1$# INDIANAOLIS IN *,$&. %)$ , 11% $.$%+898 ,), 1 1% $$9+..1
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STRS
1%&& 119TH
STREET
CENTRA CREDIT
UNION /
ACCTIN' DET
1*#&
NATIONAL RD
/ ATTN6 2EAN
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O -O/ .89+
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SHEA
CITIZENS
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SER3ICES+ FS-
CITIZENS
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DE"OTTE
STATE -AN(
$1& S
HALLEC( ST
O -O/ *&&
DU-OIS COUNT!
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ONE DC-
LAZA
ELI LILL!
FEDERAL
CREDIT UNION
1998 COHORT DEFAULT RATE FOR LENDERS
8#19*.&& 'OSHEN IN *,%$, & & #$ $$&&+9.* & & 1 $%+19.
81%9&1&& O -O/ %1$9 E3ANS3ILLE IN *..1, & & 1$. $.1%+.#8 & & 1$& $,9*+*,8
8&#*,,&& FAR"ERS -AN( FRAN(FORT IN *,&*1 & & #8 $$11+&88 & & & $&
8&#,88&& INDIANAOLIS IN *,$&* *)1 $ *8 $1#8+.., & & * $8+*%8
818#1#&& INDIANAOLIS IN *,$&* 1)1 1 8* $,8&+&*8 & & #$ $$1$+9&#
8$%$$1&& O -O/ $,%&1 INDIANAOLIS IN *,$$, $)* $ 8$ $%##+19, & & . $1,+9&,
8&#%1#&& -O/ #,9 -ERNE IN *,.11 & & #* $1,$+8&. & & $ $1#+&$,
8&#%1,&& E3ANS3ILLE IN *..&% #)8 $ %$ $$&8+1*9 & & 1$ $*.+99$
8$*.%9&& "ICHI'AN CIT! IN *,#,& $), 1 #8 $1$*+$#& & & # $$+9$&
8#19%$&& "ICHI'AN CIT! IN *,#,& #)1 $ ,* $$,#+8., & & # $&
8$8#*,&& INDIANAOLIS IN *,$&* $). $ .* $#8&+*&# & & . $%*+*,8
8$*%8#&& O -O/ 9&1$ (O(O"O IN *,9&* *)$ $ *. $1,.+%,& & & # $1&+.8*
EL(HART CNT!
FAR" -UREAU
COO ASNCU
#&1 5EST
LINCOLN A3E
O -O/ .$.
E3ANS3ILLE
TEACHERS
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9 E CLINTON
ST
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ILLINOIS ST+
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CREDIT UNION
FIRST -AN( OF
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FIRST CITIZENS
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A ST
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1998 COHORT DEFAULT RATE FOR LENDERS
81%.&8&& O -O/ $1*. 3ALARAISO IN *,#8* #)$ # 91 $,#8+#,. #), # 8$ $,##+$98
8&#%*1&& O -O/ %&%& LA ORTE IN *,#%& & & ## $1*&+,&8 & & & $&
8$&198&& O -O/ ,9 "IDDLE-UR! IN *,%*& & & #1 $1$%+89# & & 11 $%,+8,*
8&#,&8&& 2ASER IN *.%*. 1)% 1 ,* $#$*+8%& & & 1$ $$8+###
81$$9*&& O -O/ ,*8 SE!"OUR IN *.$.* $)1 # 1*1 $81#+911 & & 18 $#8+&#,
8$,8,%&& -EDFORD IN *.*$1 *). # ,# $#,$+%,8 & & $1 $,$+$#,
8#111%&& LAFA!ETTE IN *.9&% *)1 , 1** $%1&+&$& & & 1 $1&+#%,
8$.$$&&& INDIANAOLIS IN *,$$. 1)* $ 1#. $9*$+$&* & & 1, $,9+8*1
8&#,#1&& O -O/ %&$ IN *,9,$ & & #& $1##+#,% & & * $$8+&19
89998&&& INDIANAOLIS IN *,$*& & & $ $%+%%& *)$ #&* .$$9 $#%+,,*+.%&
8$&,8%&& -LOO"IN'TON IN *.*&$ #)1 1$ #.9 $$+$.&+,%# * 1$ $9, $1+8,*+...
8&#,*$&& O -O/ 9$9 COLU"-US IN *.$&$ 1)# 1 ., $*$1+.9* & & 8 $1,+8&&
8$,9*#&& O -O/ 1%$* TERRE HAUTE IN *.8&8 $)9 $ ,. $**#+#.$ #)# $ ,& $*&8+9&1
FIRST NATIONAL
-AN(+
3ALARAISO
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A"ERICA -AN(-
LA ORTE+ N)A
FIRST STATE
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CREDIT UNION
,#& LINCOLN
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FED CU
%1& E 1.TH ST
O -O/ #,8
IR5IN UNION
-AN( 7 TRUST
CO)
ISU FEDERAL
CREDIT UNION
1998 COHORT DEFAULT RATE FOR LENDERS
8&#,*#&& O -O/ 1&&1 SE!"OUR IN *.$.* 8)% # #% $1*&+9%, & & * $1#+,9*
8$*%.#&& INDIANAOLIS IN *,$*& *)* 1&, $#89 $9+%#$+.*8 ,), ,,. 99.1 $*&+9#1+#.,
8$9*89&& INDIANAOLIS IN *,$*& & & & $& ,)9 9 1$9 $8&1+%&,
8##*9%&& INDIANAOLIS IN *,$*& & & & $& # #,* 1$&., $,8+$$*+.99
8&#,%&&& O -O/ 119& LAFA!ETTE IN *.9&$ .), 1* 18$ $911+11* & & $& $$8+9,8
8&#,%*&& LA(E CIT! -AN( O -O/ 1#8. 5ARSA5 IN *,%81 $)$ % $18 $1+*18+,&1 $)# 1 *$ $1.9+9$#
8$8$9#&& O -O/ %,9 LO'ANSORT IN *,9*. 9)# # #$ $.$+$9, & & # $,+,%8
8#&*1&&& "ARION IN *,9%$ & & #, $9$+&1& & & # $#+9#9
8&#,.&&& O -O/ %99 'RIFFITH IN *,#19 $ 1 *8 $#,*+.8% & & 11 $1%%+8&,
8&#,.%&& O -O/ .9$ "UNCIE IN *.#&% ,)% 1, $*% $9*8+9%8 1& 1 1& $$&+.$9
8&#,.$&& TERRE HAUTE IN *.8&8 %), $* *$$ $$+#**+9&, & & 9# $%1#+19#
2AC(SON
COUNT! -AN(
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8*$%
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NATIONAL -AN(
OF "UNCIE+
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A3ENUE+ O
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1998 COHORT DEFAULT RATE FOR LENDERS
8$8%,*&& FORT 5A!NE IN *,8$% *)% . 1%# $.$*+#8, & & *, $$$9+##9
8#$&11&& -LOO"IN'TON IN *.*&$ %)$ $ #8 $$,$+&** & & % $.+&%9
8$1$%$&& O -O/ %%1 "UNCIE IN *.#&8 8)$ 9 1&9 $%*9+%*8 & & 1& $1,+9%*
8&%%.#&& 5A-ASH IN *,99$ 1)* 1 ,9 $$$1+*.$ $)1 1 *. $18,+$8*
8#&.#1&& O -O/ .8.8 NOTRE DA"E IN *,%%, 1)1 1& 8%% $8+*1#+#98 1)$ 1& ..* $8+$,*+%%*
8&##99&& 5ASHIN'TON IN *.%&1 $), $ .% $%$9+.#1 & & $% $1%*+.&.
8&#,9*&& E3ANS3ILLE IN *..&% % *9 9,8 $%+%&9+&#& &)# 1 $8. $1+9.$+8.8
8&#,9#&& -LUFFTON IN *,.1* $)9 1 #* $$%$+.19 & & $ $9&+%8.
8&#.&9&& INDIANAOLIS IN *,$.8 .)8 % ,* $198+##, 8)# 1 1$ $.$+%8$
8$19.8&& O -O/ $#1 AU-URN IN *,.&, $), 1 #8 $19,+911 & & 1 $$+.$#
8#11*9&& O -O/ *&9 5INCHESTER IN *.#9* 9 # ## $1%#+%9% 1*)$ 1 . $18+1&#
81$#&1&& 5ASHIN'TON IN *.%&1 $)9 1 #* $1.1+%8$ & & 8 $19+1#8
81%899&& O -O/ . -ROO(3ILLE IN *.&1$ *)# # ,9 $$8*+988 & & $ $1+.8&
"ID5EST
A"ERICA
FEDERAL
CREDIT UNI
11&* "EDICAL
AR( DRI3E
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COUNT! -AN(
111 SOUTH
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FEDERAL
SA3IN'S -AN(
NOR5EST -AN(
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$&$ S
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NOTRE DA"E
CREDIT UNION
OLD NATIONAL
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OLD NATIONAL
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IN -LUFFTON
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7 TRUST
CO"AN!
%8*& 5) .*TH
STREET
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SA3IN'S -AN(
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7 TRUST -AN(
EOLES
NATIONAL -AN(
AND TRUST CO"
$&1 EAST
"AIN STREET
EOLES TRUST
CO"AN!
1998 COHORT DEFAULT RATE FOR LENDERS
8$*#$.&& INNACLE -AN( 3ALARAISO IN *,#8# #). % 1#% $,&%+%#9 & & #9 $$&&+9*&
8#1..$&& FORT 5A!NE IN *,89% %)1 9 1.* $9&.+8&$ & & 1, $$.+1%1
8$9$%.&& O -O/ 19%& 5EST LAFA!ETTE IN *.99, #)# 1, *.* $#+$##+,#1 &), 1 1,* $1+#*.+$#$
8&#8#1&& -RAZIL IN *.8#* $). 1 #, $$$$+&9. & & $ $%+8,&
81.%1,&& INDIANAOLIS IN *,$*& * # .% $#,1+*%, #)$ 1 #1 $1,%+1*8
8&#.%8&& O -O/ 1$&& 3INCENNES IN *.%91 1*)$ 1$ 8* $#18+.%1 & & 18 $*$+*9#
8&#.,&&& FREELAND3ILLE IN *.%#% %)* % 9$ $$*.+,#1 $)9 $ ,. $1%#+$&$
8#$..,&& S"S COR - HI FISHERS IN *,&#8 & & & $& $ , $9. $1+%,&+%$$
8&#,&,&& O -O/ $9$8 "UNCIE IN *.#&. $)9 . $#9 $1+111+.&. & & *9 $$..+#8.
8&#.9%&& O -O/ 1#9% SOUTH -END IN *,,$* #), 1, *#9 $$+,8,+&.8 & & *$ $1#.+1%,
8#$**,&& CRO5N OINT IN *,#&. & & *$ $$*#+#.. & & $ $1,+89$
8&#.98&& TELL CIT! IN *.%8, 1)% 1 ,, $$98+8%$ & & 8 $1*+%&%
8&#.99&& O -O/ 9&#* TERRE HAUTE IN *.8&8 %)* ,& 1&9% $.+&#.+#.* &)# 1 #$% $$+$*&+**.
,#
LAFA!ETTE
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O -O/ %*,,
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8*%%
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STREET
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FIRST NATIONAL
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1998 COHORT DEFAULT RATE FOR LENDERS
8##1$*&& INDIANAOLIS IN *,$&* *)% % 11& $#&9+*#. & & 1% $$&+$9.
8#19.&&& FORT 5A!NE IN *,8&1 *)* 11 $*, $1+#8,+%#$ 1)$ 1 8$ $%#&+#%9
8&#8,&&& 'REENS-UR' IN *.$*& #)$ 1 #1 $1$%+,9. & & $ $*+*$$
8&#8,#&& O -O/ $1. LI-ERT! IN *.#%# & & #* $1**+%1, & & 1 $#+#&&
8$8$9%&& 3ALARAISO IN *,#8# #). $ %* $181+$,* & & 1# $,#+$*1
8$,..%&& O -O/ 189 NE5-UR'H IN *.,#& $). 1 #. $1*,+*&& & & # $#+&&.
8$18*#&& 5ICHITA (S ,.$&1 %)* $ #. $1,&+&.# & & $# $1#$+.9,
8&*,*.&& O -O/ * 5ICHITA (S ,.$&1 %)* $.# *9.1 $##+1,%+%%$ , . 11, $#&.+.$#
8#&%11&& TOE(A (S ,,,&# $). *, 1,%& $1&+.1,+#.9 $)* * 1,, $,&$+,.8
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8&*8&&&& SHA5NEE (S ,,$&# 8)9 9 1&1 $*,$+,%1 & & ** $$%9+%$#
8&**#%&& TOE(A (S ,,,11 9)* 1&& 1&,# $.+..9+#.8 & & 11# $%9.+.$&
8&*%.%&& 'REAT -END (S ,.%#& 1,)# #* $&8 $8,9+9*$ & & 9 $1*+#*9
THE NATIONAL
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INDIANAOLIS
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3ALARAISO
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LINCOLN5A!
5ARRIC(
FEDERAL
CREDIT UN
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O(LAHO"A+ N)A)
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ATTN
EDUCATIONA
L LOANS
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A"ERICA
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1998 COHORT DEFAULT RATE FOR LENDERS
8&***,&& O -O/ *$9 LA5RENCE (S ,,&** 1)% 1 ,, $#%*+&%9 & & #8 $$98+,9,
8&**%,&& E"ORIA (S ,,8&1 1&)8 #1 $8. $1+*89+9&* & & 9 $11+&.,
8&*%.9&& O -O/ *&& HA!S (S ,.,&1 .)9 %# ,,% $*+9*&+%.8 & & %1$ $*+%8&+#,#
8&*%81&& HILLS-ORO (S ,.&,# ,)* 1&$ 1%88 $11+&#8+$%1 &)$ # 1$1$ $9+.%9+&..
8&*%#8&& OLATHE (S ,,&%1 %)$ 8 1%1 $8,9+&8% & & 9 $*8+,$%
8&*%99&& HILLIS-UR' (S ,.,,1 %)% $ #, $18%+.*9 & & 1$ $*.+1#8
8&*%%1&& O -O/ ,1& "ANHATTAN (S ,,%&$ $). # 11& $.91+1$# & & .9 $.11+,1&
8&*,&9&& O -O/ *$8 LA5RENCE (S ,,&** *)9 1%. #1.9 $$$+8&#+*.1 &)* 1& $$,& $19+91,+&.1
8&*8,&&& 'OLD -AN( ITTS-UR' (S ,,.,$ 1&)1 #* ##, $1+9*9+*#, & & #$ $189+&#,
8&*,%.&& (ANSAS CIT! (S ,,1&1 .), *8 ,$9 $.+99*+#$. &)$ 1 *18 $*+*,*+#,*
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8$11.,&& O -O/ ,9 "ANHATTAN (S ,,%&$ *), %$ 11$$ $9+*1$+#%% &)1 1 89. $8+.$8+&88
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8&*.$%&& 8&& 2AC(SON TOE(A (S ,,,1$ ,), $ #& $%8+8.# & & & $&
DOU'LAS
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AND TRUST
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189
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OF TOE(A
1998 COHORT DEFAULT RATE FOR LENDERS
8&9&%&&& O -O/ * 5ICHITA (S ,.$&1 *)% $1 *,* $$+*89+%%9 8)# 1 1$ $1#+9..
8$&##*&& "ANHATTAN (S ,,%&$ ,)$ * ,* $##.+8&# 1# # $# $9,+,18
8#&&8*&& LA5RENCE (S ,,&** *), #1 ,,, $$+.9$+8*& #)* 1$9, #.9** $189+&9&+91$
8#18#8&& O -O/ ,,. "ANHATTAN (S ,,%&$ 1#). 1&$ .*& $#+1$.+.9# & & *1 $1#.+%&8
818%*$&& O -O/ .88 LA5RENCE (S ,,&** 11)1 . ,# $19$+#** & & 11 $##+.9&
8&*$.8&& ASHLAND (! *11&1 1&)% * #8 $1*1+*8. & & & $&
8&*$8#&& O -O/ 11&1 LOUIS3ILLE (! *&$&1 .)8 *# %*9 $%+**#+%$% ,), 1 1% $#&+.%1
8&*9$$&& 5HITLE! CIT! (! *$,%# #), $ %% $#%&+8%* & & 1 $&
8&#&&8&& LOUIS3ILLE (! *&$&$ ,). 11 1,$ $8*%+,.1 & & 1. $##+$%%
8$,,91&& FRAN(FORT (! *&,&$ 9)* 1. 1.9 $8#1+*81 & & & $&
819##&&& O -O/ #&% -ARDSTO5N (! *&&&* & & #8 $1,1+.8$ & & 1 $&
81#.#&&& O -O/ $,. 5ILLIA"S-UR' (! *&.,9 %)8 % 8% $18*+$89 & & & $&
8&*9%$&& O -O/ 8$& SO"ERSET (! *$%&$ 1$)1 * ## $99+11. & & & $&
NATIONS-AN(
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7 TRUST
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1998 COHORT DEFAULT RATE FOR LENDERS
8$,,,$&& HO(INS3ILLE (! *$$*& 1$)$ . %. $*&9+#&# & & 1 $$+$&&
8&*$9$&& HO(INS3ILLE (! *$$*& %)8 $ #* $19&+.,$ & & $ $&
818.#%&& O -O/ $,%% CO3IN'TON (! *1&1$ ,). 11 1,# $%81+8#1 & & & $&
8$,,88&& O -O/ $*$,, LOUIS3ILLE (! *&$$* 1&)1 #.8 #.1% $1%+*&%+#18 9), 8&* 8##& $**+.8#+8%.
8$9998&& LOUIS3ILLE (! *&$1* #)* # 8. $#%8+189 & & & $&
8&*9.#&& O -O/ #$%&& LOUIS3ILLE (! *&$#$ 8)9 9 1&1 $$9*+,18 & & $ $&
8&*9.,&& LOUIS3ILLE (! *&$#$ #). 1. *%& $$+.98+%#% & & % $1+%&$
8&*98#&& O5ENS-ORO (! *$#&$ #)$ # 9# $#,1+#,* & & 1 $&
8&*988&& O -O/ *.& "URRA! (! *$&.1 9)* % %# $19*+.1# & & & $&
8&*9$#&& "URRA! (! *$&.1 ,), 1. $%, $1+&,1+8#8 & & & $&
8$9,8&&& -O5LIN' 'REEN (! *$1&* 9)$ 1% 1,$ $,81+#%, & & 1 $#+9.,
8&*99%&& O -O/ 0$&& CA"-ELLS3ILLE (! *$.19 19 ,, #*, $1+%&9+$1$ ##)# 1 # $1$+*,*
FIRST CIT!
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1998 COHORT DEFAULT RATE FOR LENDERS
8&*#$&&& O -O/ *.1 RESTONS-UR' (! *1,%# 1*)$ , *$ $1,#+#%* & & & $&
8&*$8,&& O -O/ 9&&&1 -O5LIN' 'REEN (! *$1&$ *)% % 111 $*##+.8. & & 1 $%+&&&
8$99&*&& LE/IN'TON (! *&%&* 1), 1 ,1 $#$.+.1& & & & $&
8&%&#$&& NE5 ORLEANS LA .&1#& 1#), 1$ 88 $*,1+188 ,*)$ 9 1* $%&+119
8&%&.9&& -ATON ROU'E LA .&8&8 ,), 1% $$% $,*&+8.9 .)1 1# 18$ $%,1+89.
8&%&*1&& -ATON ROU'E LA .&8&8 1$)$ #&$ $*,# $11+#&8+.8& 1)$ # $*& $%88+,&,
8199&.&& -ATON ROU'E LA .&8&8 & & & $& 11)9 1* 11. $*,#+.9.
8#1819&& -ATON ROU'E LA .&8&8 & & & $& 1*)$ % #% $%*+,#$
8&%&%9&& LA(E CHARLES LA .&,&$ .)# 1. $#& $89$+8,1 & & 8 $1%+.$1
81.%%1&& O -O/ .98& LA(E CHARLES LA .&,&, 9)% , ,# $$&.+9.$ & & 1* $#$+9&&
81.%%8&& -ATON ROU'E LA .&8&, $)$ . #&8 $,+%8&+#1. 1)8 * $1% $%+#%8+&&&
THE -AN(
2OSEHINE
TRANS
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NA
UNI3ERSIT! OF
(ENTUC(!
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LOANS
CA"ERON
STATE -AN(
CA"US
FEDERAL
CREDIT UNION
1&## NORTH
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1998 COHORT DEFAULT RATE FOR LENDERS
8&%118&& O -O/ $&&9 HA""OND LA .&*&* 1$)9 1, 1$* $,1#+91$ & & * $*+*8&
8&%1.,&& FAR"ER3ILLE LA .1$*1 %)# 19 #%% $1+.*.+.1, & & *% $#$.+89#
8#1%&,&& FAR"ER3ILLE LA .1$*1 8)$ 1&* 1$%% $11+1*.+8$8 & & $$% $1+8**+%&1
8$*19$&& "ETAIRIE LA .&&&% ,)* #9 ,&. $*+&81+918 & & ,, $*,.+#.&
8$9&#&&& -ATON ROU'E LA .&8$1 8), $.& #1&8 $1*+1##+$,# 9)8 189 191# $.+91%+1$8
8&%1$%&& NE5 ORLEANS LA .&1,1 *)1 1% #,% $1+$&#+$*8 %). $ #% $1.,+%8#
8&%&9&&& O -O/ ,&#.1 NE5 ORLEANS LA .&1,& $)% % 198 $1+1$*+##9 & & . $.%+#&8
8$$9*.&& O -O/ 1$**& NE5 I-ERIA LA .&%,$ $)1 * 189 $1+#9*+,.& ,)$ $ #$ $1%*+%9*
8&%1$,&& )O) -O/ ,*$, LA(E CHARLES LA .&,&, %)# 1$ $$% $1+1$&+##8 & & *# $19%+*,8
8$1819&& O -O/ ,$,, LA(E CHARLES LA .&,&, ,)8 1, $#* $1+&1.+$,. & & 9 $#8+*%8
8&%1%&&& O -O/ 1&99 CHAL"ETTE LA .&&** .)8 # #8 $$&1+#,, & & $ $$+&&%
8&%1#8&& O -O/ 1%11 -ATON ROU'E LA .&8$1 1)1 1 8* $#%*+&8, & & 1% $8#+,&#
FIRST
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LAICU
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CO"AN!
LA(ESIDE
NATIONAL -AN(
EOLES -AN(
7 TRUST
CO"AN! OF
ST)
RE"IER -AN(
OF -ATON
ROU'E
1998 COHORT DEFAULT RATE FOR LENDERS
8&%1.&&& O -O/ 11& OELOUSAS LA .&%.1 $)9 1 #* $9&+*#$ & & 1 $&
8&%&,,&& -ATON ROU'E LA .&8$1 .)$ #$ *** $#+%#9+$&$ %)% 1 18 $#1+#%9
8&%&.,&& NE5 ORLEANS LA .&1,1 *)* 1$ $.$ $1+&,.+9## & & 1% $#,+,*#
8&%1*8&& 2EFFERSON LA .&1$1 .)8 1$9 1,%$ $1$+,%,+.*$ 1)1 $ 1.* $1+1##+*9%
8&%18.&& NE5 ORLEANS LA .&1#& #)9 * 1&1 $$8,+*%, 1,), 1 , $$$+#1.
8$&$&#&& A-IN'TON "A &$#%1 $). # 111 $8$1+%8* & & 8, $,19+%,#
8##&,.&& S5ANSEA "A &$... %)$ %&8 9,&* $,*+$$#+&1* &)# $& ,11& $*.+&%.+&81
8&%19$&& ANDO3ER -AN( ANDO3ER "A &181& $). , $$1 $1+.%,+%&, & & 89 $.#%+#*.
8##%8%&& S5ANSEA "A &$... & & & $& $)% *# 1,., $8+1#8+&,%
8##*.1&& S5ANSEA "A &$... & & , $,1+91, 1)$ 9 ,9. $$+9&9+#$8
8$9&8#&& -RAINTREE "A &$18* * 18, *%8* $19+889+.%% $)$ 18 81& $#+191+$9%
8&%$.&&& O -O/ #&& CA"-RID'E "A &$1#9 $)8 $ .1 $$18+189 & & 1$ $%$+1$8
ST) LANDR!
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SL"/N"
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1998 COHORT DEFAULT RATE FOR LENDERS
8&%#$1&& DEDHA" "A &$&$, ,)% # *, $1%&+1#% & & 1& $*&+8#8
8$1%8%&& O -O/ #&9 FRAN(LIN "A &$&#8 ,)$ # *8 $$$8+*%% & & . $#,+98&
81#*8&&& 1#&8 ITTSFIELD "A &1$&$ 1& # #& $,.+1$9 & & * $8+.$1
8$.,&8&& O -O/ *98 -E3ERL! "A &191% & & ,9 $.$$+18$ & & ** $**1+11&
8&%$&1&& $*& CA-OT ST -E3ERL! "A &191% # 1 ## $#%9+911 & & 19 $1,8+%$8
81.,%%&& -URLIN'TON "A &18&# %)% # %* $#99+&#9 & & #, $$,%+1&.
8#1%%8&& -OSTON "A &$$1% # * 1#$ $9$&+$1* & & ,# $%&$+&#$
8$9&,8&& -RID'E5ATER "A &$#$* %)1 # %8 $$&%+989 & & # $#+18*
8$&9$%&& TAUNTON "A &$.8& $)8 1 #% $$,8+%$% & & $* $$1&+9*%
819&98&& O -O/ .$& -ROC(TON "A &$*&# $)8 $ .& $$.#+9%, & & # $11+,1$
8$99#9&& O -O/ .#, "A &$1*. ,)9 1, $#1 $1+#.&+.*, & & 11$ $,.*+,%.
8$$..1&& O -O/ $&, CA"-RID'E "A &$$#8 #)$ $ ,$ $**%+%&* & & $8 $1%,+#**
8&%$11&& CA"-RID'E "A &$1#8 *)% # ,, $8#&+,** & & ## $*18+81.
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1998 COHORT DEFAULT RATE FOR LENDERS
8$,991&& CA"-RID'E "A &$1#9 1)% 1 ,% $.,.+8#& & & $8 $#*%+,#,
8&%$1$&& 'LOUCESTER "A &19#& 8)# * *8 $$%*+##9 & & # $$$+8#%
8&%$1#&& O -O/ 118& "A &$,,* 1#)% $. 199 $1+$,1+8** & & 1&8 $,9#+.#8
8$&9%%&& ORLEANS "A &$,%# #). # 8& $,.%+8&8 & & %$ $%&&+,#%
8$,%.$&& FALL RI3ER "A &$.$1 %)8 # %1 $$89+9,1 & & 1$ $.9+,$.
8&%$1%&& 5ORCESTER "A &1,1% 1)9 1* .1, $*+$.9+*.. &)$ 1 *.$ $#+#9&+,%$
8&%$.,&& HUDSON "A &1.*9 & & #. $$%.+9%* & & 1$ $%8+9#&
8$$&,*&& N DART"OUTH "A &$.*. $)1 # 1#. $9#*+*&% & & %9 $*&%+#9*
8$1&8*&& 1 CONANT ST DAN3ERS "A &19$# #), $ %% $***+*1, & & #1 $$,$+1,&
8$,*.*&& %% EL" ST DEDHA" "A &$&$, & & #$ $,$+.#% & & & $&
81#.%,&& O -O/ 91$# "A &$19* 1)# 1 ., $1+&$*+#., & & $9 $$,9+1#1
8$,*8,&& EAST -OSTON "A &$1$8 & & #& $199+*&* & & 1# $#%+1,*
8$*8%$&& EASTERN -AN( SALE" "A &19.& #)$ 1# *&* $#+&,&+&18 1)# * $9$ $$+1$#+9$$
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1998 COHORT DEFAULT RATE FOR LENDERS
8&%$$#&& LA5RENCE "A &18*& %)8 . 1$& $*.8+&1% & & # $8+1%8
819&9&&& O -O/ %8, 'REENFIELD "A &1#&$ &)8 1 1$* $%&9+9,8 & & *, $$#,+#*.
8$8$,.&& ITTSFIELD "A &1$&1 %)# * .% $#$,+*,, & & *$ $1,,+#1$
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818*$,&& 1&9 "AIN ST NORTHA"TON "A &1&,& & & *9 $1%#+8#9 & & 11 $$%+.*9
81#.%#&& HOOSAC -AN( O -O/ #%# NORTH ADA"S "A &1$*. $)$ 1 ** $#*1+.8# & & #1 $$#8+#*#
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8$.,.1&& 8UINC! "A &$1,9 & & *1 $###+.11 & & 1. $1%,+*%9
8$*#.,&& ROC(LAND "A &$#.& *), % 1&8 $8*$+%#% & & $* $1$.+8$9
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8$,*,9&& SAND5ICH "A &$%,# %)* * .* $%$*+9*1 & & #. $$#8+,.&
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8#&,91&& 5ALOLE "A &$&81 %)* $ #. $119+1,. & & 1 $$+9,&
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8$1&%*&& 5E!"OUTH "A &$188 %)1 $ #9 $1#%+9*. & & , $##+88,
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8&%#..&& 5ORCESTER "A &1,&8 #)1 , 188 $%*,+..9 & & 1$. $#9%+99#
8$.8*%&& O -O/ *&&& CLINTON "D $&.#% .), * %$ $#,&+%$* & & $9 $$%9+&8#
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8&%%&&&& COLU"-IA "D $1&*, % 18# #,1% $11+,1%+1%* &)% 1& 18.% $.+89#+#,1
8#$$*#&& COLU"-IA "D $1&*, 1 % *.* $1+$1#+9*% & & #.* $1+&,&+$$1
8$$1%*&& -ETHESDA "D $&89$ $)# 1 *$ $#$*+$&% & & 1* $119+9%1
8$9.$*&& RI3ERDALE "D $&.#. #)* # 8, $1+&1#+&91 1)% 1 ,% $9#*+$.$
8$1**,&& OLNE! "D $&8#$ # $% 81, $,+,$9+%*, & & ,#. $,+1&8+&$#
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8&%.$.&& "ILLINOC(ET "E &**,$ # 1 ## $##&+*%% #)1 1 #$ $##&+*%%
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8&,,.#&& O -O/ #9 3IC(S-UR' "S #9181 11)1 * #, $1#,+,## % 1 $& $11*+8$*
818819&& O -O/ ,9& -ATES3ILLE "S #8,&, ,), % .% $#,,+#%9 1$)% 1 8 $%&+&&8
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8$88,8&& 2AC(SON "S #9$&% & & 1 $%+$&* $)$ 11 *9& $1+981+%*8
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8&,,1,&& CLAR(SDALE "S #8,1* #)% 1. *8* $$+#$*+.1* 1)8 1 %# $$&%+89&
8$.%,8&& 2AC(SON "S #9$$% %)9 11. 19,9 $11+%%9+,,# 18), #% 188 $%98+*.,
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8$.%#1&& 'REAT FALLS "T %9*&# % $ *& $1%8+%$* & & * $&
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8&.%*$&& CHARLOTTE NC $8$,$ %)% 1. #&9 $,$%+9.# &)% . 1$*8 $8+*8*+%$.
8&.%,,&& CHARLOTTE NC $8$,$ * * 99 $$&%+%&$ 1& 1 1& $1%+1.&
8&.9*9&& CHARLOTTE NC $8$88 $)% 1 #9 $$&$+%1$ ##)# 1 # $$1+.,8
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8###9%&& CHARLOTTE NC $8$88 & & & $& 11)* $99 $,&8 $19+99%+18*
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8#1#.9&& CHARLOTTE NC $8$,$ & & , $$$+%#9 **)* %, 1$, $%$9+9#$
8#&9&,&& 5INSTON-SALE" NC $.1%& #)1 $% .8% $*+%,.+8*& & & $* $*%+#8&
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81,#8,&& -IS"ARC( ND %8%&, & 1 8#9& $#,+.9&+.&. & $ 8#*% $$9+%81+1,&
8&.19.&& O -O/ ,&. 5ATFORD CIT! ND %88%* & & 1#* $*.$+%8# & & $* $*.+%%1
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8#&8,8&& O -O/ ,1%% LINCOLN NE ,8%&, .)% .9, 1&%*& $.#+$&8+8,9 1#)$ $.1 $&#9 $8+.&&+#&*
8$&8&8&& O"AHA NE ,81#. #)# * 1$1 $9$#+8&% #), * 111 $9$#+8&%
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8$&9#.&& AURORA NE ,8818 & & #, $$*,+99& & & & $&
8&8$#8&& O"AHA NE ,81&$ ,)8 ,1 88. $%+*#,+1*9 & & 1* $$+.&&
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8&8*$,&& O -O/ $$8 FRE"ONT NE ,8&$% 1$), 1# 1&# $,$8+1#9 & & # $&
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8$.1#%&& (EARNE! NE ,88*8 *)$ $ *. $8%+,8# & & & $&
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8$$#,,&& AILLION NE ,8&*, *)9 1& $&* $1+&*#+%1# & & $1 $111+118
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8#$&,#&& O -O/ 8$8*. LINCOLN NE ,8%&1 # 1 ## $$1,+$%* #)* 1 $9 $$1,+$%*
8$#,1$&& -O/ $*8 -LAIR NE ,8&&8 .)# % ,8 $*&&+88* & & $ $*+*1,
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1998 COHORT DEFAULT RATE FOR LENDERS
8#$99*&& )O) -O/ $111 CONCORD NH &##&$ $)1 19$ 89*9 $*%+9,%+198 $)1 19# 911# $*.+%.&+#%1
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8$8,..&& AINTED OST N! 1*8.& .)1 , 8* $*%#+9*8 & & $ $9##
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8&.9*8&& LA 'RAN'E3ILLE N! 1$%*& 1$)% 8 ,* $*1&+919 & & & $&
8&.8.8&& LOC(ORT N! 1*&9* ,)9 %# .,8 $*+*.%+%&* & & 1. $19+8$1
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8$,191&& SCHENECTAD! N! 1$#&9 *), # ,% $%#8+%$8 *)9 # ,1 $%#8+%$8
8&81%$&& SALA"ANCA N! 1*..9 %). $ #% $18#+%&# & & 1 $*&%
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1998 COHORT DEFAULT RATE FOR LENDERS
8&.9%&&& -ROO(L!N N! 11$1& ,)$ $ #$ $19,+%8* & & & $&
8#$18.&& UTICA N! 1#%&$ $). 1# *.8 $1+1.*+,8* & & 1# $$8+1.%
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8&.*88&& UTICA N! 1#%&$ *)# *. 1&., $.+&%1+.1$ & & $* $19+.%$
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81&$*1&& UTICA N! 1#%&$ %)9 *. .8* $*+#*$+&&# &)# $ %%. $#+*98+%&9
8$.$&*&& UTICA N! 1#%&$ *)# ,& 1#,9 $%+9&.+,,8 &)* $ *,8 $$+$%$+91%
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1998 COHORT DEFAULT RATE FOR LENDERS
8#1*9%&& UTICA N! 1#%&$ .)8 ,,, 8**# $%.+1%1+89% 1#)9 $#% 1,8& $*+9*&+**1
8&%#1*&& UTICA N! 1#%&$ #)* 19$ %%&& $#8+1#1+,.1 & $ $99$ $$$+,,#+,89
81#.*9&& UTICA N! 1#%&$ 1)9 $$ 11&8 $.+9.$+$%* 1)1 9 .., $%+8#,+#%&
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8#1%8$&& UTICA N! 1#%&$ *)$ 9 $1# $.$#+$%* & & & $&
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8##11%&& NE5 !OR( N! 1&&19 & & & $& %)% #. ,,$ $*+$&*+891
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8&...9&& O -O/ 1*9& -IN'HA"TON N! 1#9&$ $ 1 *9 $$*%+&$. $)1 1 *, $$**+,,9
8&.9,8&& 'LENS FALLS N! 1$8&1 .)# 19 $%8 $1+99.+&9, $% 1 * $$+%#8
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8&.9.#&& LA(E SUCCESS N! 11&*$ 18), 1,$ 8,9 $*+#.%+%91 9 1 11 $1+#1#
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1998 COHORT DEFAULT RATE FOR LENDERS
8&.9.*&& LA(E SUCCESS N! 11&*$ % 1% #&& $$+1,1+%19 & & 1$ $$*+89&
8&.98.&& LITTLE FALLS N! 1##,% 1& 8 8& $#,,+$&$ & & 1 $&
8$*#&%&& -IN'HA"TON N! 1#9&$ $). 1 #. $199+.$% $)8 1 #% $199+.$%
8&8&*.&& HS-C -AN( USA -UFFALO N! 1*$*& ,)9 8*8 1$19# $8,+,&,+&*% 9)9 #%. #,&, $1%+189+18%
8#&,&*&& HS-C -AN( USA -UFFALO N! 1*$*& # 1& #$, $1+,%,+%#9 &)8 1 11. $,&1+189
8#1&%9&& HS-C -AN( USA -UFFALO N! 1*$*& . 8 11# $,8%+%&% .)% 8 1&, $,%*+18%
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1998 COHORT DEFAULT RATE FOR LENDERS
8&.9*%&& AL-AN! N! 1$$11 1). 1 %, $18&+8$& & & & $&
8&8&8%&& AL-AN! N! 1$$11 #). ,* 1.1% $%+1$&+&1, & & $% $&
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8&8&#1&& L!ONS N! 1**89 1$)1 * ## $189+,8# & & 1 $&
8&8&#,&& -UFFALO N! 1*$&# ,)9 $&& $89# $$&+&*.+18, %&)1 18* #,. $1+&%&+#,.
81#%&9&& -UFFALO N! 1*$&# #)9 18 *%# $#+#1.+.&$ & & *# $89+*$9
8$8.98&& -UFFALO N! 1*$&# %)% 1 18 $%%+#$% &), 1, $*1$ $18+8$9+&1%
8&8111&& -UFFALO N! 1*$&# .)1 *$ %8. $*+#%.+$.9 & & $ $1+&%1
8&8&%8&& -UFFALO N! 1*$&# 1%)# 1%% 1&&. $$+%%#+1.8 1.)% *. $,8 $1+$*%+#8$
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8&.89#&& -UFFALO N! 1*$*& 1.)$ **% $%., $1$+*,1+%$% & & $$ $*+81$
8&8&,&&& "S- -AN( 'OSHEN N! 1&9$* # * 1## $9#$+11& & & $ $&
8#&,,%&& NE5 !OR( N! 1&&&. 9)# # #$ $$%8+9%# 1& # #& $$%8+9%#
8&8$1.&& 3ALLE! STREA" N! 11%8$ #)1 % 1%8 $1+$.#+1&8 #)$ % 1%* $1+$,&+*9.
8$$&9%&& UTICA N! 1#%&$ % 8 1,& $,&*+&#9 & & 91 $#8*+$$%
8&8&8*&& NOR5ICH N! 1#81% * 1$ #&& $$+1%8+#%1 & & # $#+%9&
8#1*9$&& UTICA N! 1#%&$ 1)* 1 ,9 $1%*+,&8 & & & $&
8&.989&& "ATTITUC( N! 119%$ *)* 11 $%& $$+%%&+81% %). 1% $,# $$+8#9+%##
8&81.%&& "ATTITUC( N! 119%$ #)* . $&% $1+#.$+&18 & & * $9+.98
8&8&99&& FLORAL AR( N! 11&&1 ,)* * ,$ $..$+9%$ & & 1 $&
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8#1.&*&& OLEAN N! 1*.,& *). % 1&% $,.9+9,. & & * $&
8&81&9&& ONEIDA N! 1#*$1 1). $ 11. $.9,+#11 & & $ $&
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8&8118&& FISH(ILL N! 1$%$* * % 1$# $89.+%1# & & * $.+1,*
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1998 COHORT DEFAULT RATE FOR LENDERS
8&81#,&& STATEN ISLAND N! 1&#1$ 11), #. #18 $1+,#8+.%. #9)% 1. *# $*,+.9*
8&81#8&& RID'E5OOD N! 11#8% # # 98 $1+$91+%$& & & . $$,+.9#
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8&818,&& STATEN ISLAND N! 1&#&* #)9 9 $$, $$+1%%+$.8 & & 1* $18+,,$
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FLOOR
1998 COHORT DEFAULT RATE FOR LENDERS
8$.&9%&& AL-ION N! 1**11 #)# * 118 $8,*+8$, & & & $&
8#1%*#&& AL-ION N! 1**11 #)# 18 %## $*+8.#+*8* & & 1# $1%+*#,
8$9,#,&& AL-ION N! 1**11 #)1 * 1$8 $1+1.1+81& & & * $&
8&8191&& O -O/ 1%8% "EL3ILLE N! 11.*. &)9 1 1&, $###+##* & & & $&
8&81..&& O -O/ .$8 O'DENS-UR' N! 18,,9 $ 1 *8 $$%$+8%$ & & & $&
8$1#9#&& O -O/ 1$% A3ILION N! 1*%$% 8)8 * *% $$$.+89, & & & $&
8&81%8&& UTICA N! 1#%&1 , 1, $,, $1+9$$+*,, & & % $$1+,.%
8&8$$*&& 5AR5IC( N! 1&99& 1)$ 1 .. $%9#+*&* & & $ $$+*#1
8$.#,,&& TICONDERO'A N! 1$88# & & #8 $$1,+#9# & & $ $1+*%8
8&8199&& SENCER N! 1*88# $1)$ *# $&$ $.8,+9$* & & % $$+,$%
8&8$&&&& O -O/ *,& ITHACA N! 1*8%1 %)9 #% %8. $#+#18+%#9 & & , $9+91.
8&8$&$&& TRO! N! 1$18& .), % ,% $$8*+.1. & & 1 $,+#&&
8#$1,#&& LOC(ORT N! 1*&9% * % 1$$ $%**+*&$ *)# % 11, $%**+9,#
8$,$,*&& RO"E N! 1#**& 9)% 19 $&& $1+&81+%#8 & & $ $*+%.9
THE DI"E
SA3IN'S -AN(
OF NE5 !OR(
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SUITE 1&&
THE DI"E
SA3IN'S -AN(
OF NE5 !OR(
$#1 EAST
A3E)+ STE 1&&
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OF N!+ FS-
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THE LON'
ISLAND SA3IN'S
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THE NORTH
COUNTR!
SA3IN'S -AN(
THE A3ILION
STATE -AN(
THE SA3IN'S
-AN( OF UTICA
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THE 5AR5I C(
SA3IN'S -AN(
18 OA(LAND
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5IC(ER
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TIO'A STATE
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1 "AIN
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TO"(INS
COUNT! TRUST
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UNIT 01
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CREDIT UNION
%% STE3ENS
STREET O
-O/ 8#&
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FEDERAL
CREDIT UNION
191, -LAC(
RI3ER -L3D
1998 COHORT DEFAULT RATE FOR LENDERS
8$$%%1&& ENDICOTT N! 1#.,& #)1 9 $8% $1+..$+*,% ,)1 * ,% $$1&+#.*
8&8$$&&& $ -AN( ST 5ALDEN N! 1$%8, & & #$ $$%*+... & & & $&
8$8&8&&& O -O/ *& SODUS N! 1*%%1 %)% 8 1** $1+1,&+.1, & & 1 $&
819&.#&& O -O/ *#& ONEONTA N! 1#8$& #)$ 1 #1 $8.+,.$ & & 1 $&
8&8$#*&& 5ARSA5 N! 1*%,9 8 11 1#, $.8.+*,1 & & & $&
8&#&&.&& COLU"-US OH *#$.1 1 $ 198 $.8#+%*& & & 111 $*11+&#*
8&89%,&& COLU"-US OH *#$.1 %)8 $ #* $,.+,,% & & 1 $&
8&&$*1&& COLU"-US OH *#$.1 ,)9 1#*& 19#.# $1$&+819+*8$ #), ,% 1.,, $,+9**+$#1
8&#&&&&& COLU"-US OH *#$.1 %)1 18 #%$ $1+%&9+.9, &). 1 1$, $*,8+***
8&#$%8&& COLU"-US OH *#$.1 %). *. 81. $,+9.9+1#& 9)8 $, $,# $1+#%#+9$*
8&#%##&& COLU"-US OH *#$.1 1)9 $ 1&1 $*,1+1&$ & & $* $11,+*9*
8&%1*%&& COLU"-US OH *#$.1 %), $% **% $$+#*#+1.8 #)# 1 #& $1##+$,%
8&%1*.&& COLU"-US OH *#$.1 8)# *1# *9.* $#%+11,+%9* 19)# $#9 1$#8 $*+9%8+81$
3ISIONS
FEDERAL
CREDIT UNION
$* "C(INLE!
A3E ATTN
STUD LN
DET
5ALDEN
SA3IN'S -AN(
5CTA FEDERAL
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5IL-ER
NATIONAL -AN(
5!O"IN'
COUNT! -AN(
O -O/ 11&
%% NORTH
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-AN( ONE
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O -O/
.11&&*
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.11&&*
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EDUCATION
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.11&&*/1%& E
CA"US
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.11&&*
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EDUCATION
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.11&&*
-AN( ONE
EDUCATION
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O -O/
.11&&*
-AN( ONE
EDUCATION
FINANCE 'ROU
)O) -O/
.11&&*
-AN( ONE
EDUCATION
FINANCE 'ROU
O -O/
.11&&*
1998 COHORT DEFAULT RATE FOR LENDERS
8&%9.*&& COLU"-US OH *#$.1 8), $98 #*** $18+&1&+..& &). * %$, $1+&#,+1**
8&8,$,&& COLU"-US OH *#$.1 & & 9& $$+&%.+99# 1)1 1 88 $$+&$*+1#,
8&88%.&& COLU"-US OH *#$.1 9)1 *8 %$, $1+#%*+&&# &), 1 1*% $$9%+8.*
81&.%%&& COLU"-US OH *#$.1 1&). 1$1& 11$11 $8&+*,8+$*# 1 % *.% $$+$$1+,*9
8119$%&& COLU"-US OH *#$.1 %)* $,, *8,& $11+$,9+#&9 #), ** 1$&, $#+.$1+*#8
81*#$1&& COLU"-US OH *#$.1 . 1.8 $%*& $%+%*,+91% 1%)8 $$ 1#9 $,$+1$1
818&9#&& COLU"-US OH *#$.1 8), $8 #$* $,*.+,1# & & $, $*%+*#$
818$&9&& COLU"-US OH *#$.1 *)% 1%& ##$1 $$%+%%&+8#, 1). 1 %, $1#+.**
819,$8&& COLU"-US OH *#$.1 8)1 1%. 191. $%+*&9+1.. $8)# 9$ #$% $1+1%9+1#9
8199$$&& COLU"-US OH *#$.1 ,)1 ,& 9., $%+&#%+#.$ 1 # $81 $1+%.9+9%#
8$1&8.&& COLU"-US OH *#$.1 1&)1 *#, *$8$ $$,+%8*+%%* #)9 , 1%# $#1#+#99
8$*$&,&& COLU"-US OH *#$.1 .)# #8 %1% $1+*$*+#&& & & %* $1**+$&#
-AN( ONE
EDUCATION
FINANCE 'ROU
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.11&&*
-AN( ONE
EDUCATION
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EDUCATION
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.11&&*
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EDUCATION
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.11&&*
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EDUCATION
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.11&&*
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EDUCATION
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.11&&*
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.11&&*
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EDUCATION
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.11&&*
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EDUCATION
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)O)-O/
.11&&*
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EDUCATION
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.11&&*
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EDUCATION
FINANCE 'ROU
)O)-O/
.11&&*
-AN( ONE
EDUCATION
FINANCE 'ROU
)O)-O/
.11&&*
1998 COHORT DEFAULT RATE FOR LENDERS
8$&,$$&& COLU"-US OH *#$.1 8)% 1#,$ 1%9$& $9#+#%8+%## 1$)% .9& ,$8# $#1+.,#+,%%
8##1#%&& COLU"-US OH *#$.1 & & & $& ,), *1# ,18& $#%+%#1+,$,
8$*.*9&& COLU"-US OH *#$.1 . 1% $1* $%8&+$1. #)# 1 #& $#+191
8&#%**&& COLU"-US OH *#$.1 .)1 #8 %$9 $$+1$.+**. *). 1 $1 $#$+1*.
8#1*8#&& COLU"-US OH *#$.1 *), # ,* $1*.+.&9 & & # $,+$$*
81,1&&&& COLU"-US OH *#$.1 #). *, 1$$1 $*+9.#+%#. %)8 1 1. $&
818%9&&& COLU"-US OH *#$.1 9)$ . ., $181+%.# & & 11 $1&+9*%
8$1*#9&& COLU"-US OH *#$.1 $)$ $ 89 $*#.+#.% & & 1* $*1+$.%
8188*$&& COLU"-US OH *#$.1 & & ## $*1+99. & & , $11+*%8
811%.1&& COLU"-US OH *#$.1 #)% , 1,8 $.%9+999 $). $ .$ $$$1+$,.
8&8,*,&& COLU"-US OH *#$.1 * $ %& $9%+8.# & & 1 $&
8&8.#$&& COLU"-US OH *#$.1 .), 1# 1.& $*1*+,%& & & $ $&
8$&1..&& COLU"-US OH *#$.1 1*). 1# 88 $#89+.&$ ##)# $ , $##+.$&
-AN( ONE OHIO
STUDENT LOAN
SER3
O -O/
.11&&*
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STUDENT LOAN
TRUST 199*-A
)O) -O/
.11&&*
-AN( ONE+
A(RON+ NA
O -O/
.11&&*
-AN( ONE+
-LOO"IN'TON+
NA
O -O/
.11&&*
-AN( ONE+
-LOO"IN'TON+
NA
O -O/
.11&&*
-AN( ONE+
-OULDER+ NA
O -O/
.11&&*
-AN( ONE+
CHA"AI'N-
UR-ANA
O -O/
.11&&*
-AN( ONE+
CHICA'O NA
O -O/
.11&&*
-AN( ONE+
CHICA'O+
5IL"ETTE
O -O/
.11&&*
-AN( ONE+
CLAR(S-UR'+
NA
O -O/
.11&&*
-AN( ONE+
CLE3ELAND N)A)
O -O/
.11&&*
-AN( ONE+
COLU"-US
DET 1&&*
STUDENT
LOAN
SER3ICES
-AN( ONE+
COLU"-US OH
EDUC FIN 'ROU
1%& EAST
CA"US
3IE5 -L3D
STE $8&A
1998 COHORT DEFAULT RATE FOR LENDERS
8$9#*%&& COLU"-US OH *#$.1 1)% $ 1$. $*%%+,$. & 1 1 $%+9,$
8&%1%,&& COLU"-US OH *#$.1 8). 1&%# 11989 $8&+&9%+&9. &)8 1, 199. $1&+*%,+9#&
81198&&& COLU"-US OH *#$.1 & & #% $,$+$88 & & & $&
811%$$&& COLU"-US OH *#$.1 .). *8 ,$1 $$+#81+$#$ & & %% $1&%+8&8
8&###%&& COLU"-US OH *#$.1 %)% 9$8 1,8*& $1&#+**1+8,* # #, 1191 $*+.&,+*%1
8&#.#1&& COLU"-US OH *#$.1 #)8 $8 .#& $#+188+%11 $)% 1 *& $1&,+&,9
8&#%#8&& COLU"-US OH *#$.1 &)8 $ $#% $1+&.9+1,9 & & 1$ $1%+1%#
8$$*81&& COLU"-US OH *#$.1 *)8 11, $#.& $$&+9%9+$&& & & *1, $#+**$+8#.
8&%&,9&& -AN( ONE+ NA COLU"-US OH *#$.1 8), %9, ,9$* $%*+##%+&88 19)9 $89 1**9 $.+88.+#,$
8&88,%&& COLU"-US OH *#$.1 & & $ $*+%,* & & #, $&
8$8#%$&& COLU"-US OH *#$.1 11)* 1#& 11#% $%+##1+$$1 & & .$ $$1%+1.9
8&#*,#&& COLU"-US OH *#$.1 %)8 $ #* $1#8+&#* & & 1 $,+%&%
8&#%$8&& COLU"-US OH *#$.1 $)* # 1$% $#.*+&9& & & * $9+9,#
8&#$$8&& COLU"-US OH *#$.1 1&)8 8$ .%* $#+8.&+,#& $)1 $ 9% $$$.+.9%
811%&,&& COLU"-US OH *#$.1 *)9 9 18$ $.9$+%&$ & & 1% $19+.&1
-AN( ONE+
CRA5FORDS3IL
LE+ NA
O -O/
.11&&*
-AN( ONE+
EDUCATION
FINANCE 'ROU
O -O/
.11&&*
-AN( ONE+
'REEN -A!
O -O/
.11&&*
-AN( ONE+
HUNTIN'TON+
NA
O -O/
.11&&*
-AN( ONE+
INDIANAOLIS+
NA
)O) -O/
.11&&*
-AN( ONE+
LAFA!ETTE+ NA
O -O/
.11&&*
-AN( ONE+
"ARION+ NA 9IN:
O -O/
.11&&*
-AN( ONE+
"ERRILL3ILLE
C/O -AN( ONE
)O) -O/
.11&&*
O -O/
.11&&*
-AN( ONE+ OHIO
STUD LN SR3CS
O -O/
.11&&*
-AN( ONE+
O(LAHO"A+ NA
O -O/
.11&&*
-AN( ONE+
RENSSELAER+
NA
O -O/
.11&&*
-AN( ONE+
RICH"OND+ NA
O -O/
.11&&*
-AN( ONE+
SRIN'FIELD+
NA
O -O/
.11&&*
-AN( ONE+
5EST 3IR'INIA+
NA -EC(LE!
O -O/
.11&&* ATTN6
R
HRANILO3ICH
1998 COHORT DEFAULT RATE FOR LENDERS
8$,88*&& COLU"-US OH *#$.1 %). $ #% $8$+%9& & & 1 $&
8$,.#&&& CLE3ELAND OH **199 $)9 1 #* $$9&+.91 #)1 1 #$ $$8.+181
8$*$8.&& )O)-O/ #%&& NE5AR( OH *#&%8 #)* $ %8 $$8*+989 & & 1 $&
8#$1*1&& CLE3ELAND OH **11# & & & $& #)# 1 #& $#1%+.#.
8#$1*$&& CLE3ELAND OH **11# & & & $& &)# $ ,#& $1,%+&%8
8$#*1.&& CINCINNATI OH *%$19 ,), , 9& $*,%+1&% & & # $&
8$*98#&& CINCINNATI OH *%$&$ & & .# $#$1+8,$ & & ,9 $#$1+8,$
8$$*9,&& -ROO(L!N OH **1** 1)# * $8, $1+%*%+1,, & & 1. $.*+%$#
8$$#*9&& O -O/ $#& 5OODSFIELD OH *#.9# & & #. $$%,+,9% & & #. $$%,+,9%
8$,*9&&& CINCINNATI OH *%$19 $&)% $# 11$ $#*%+1#$ %& 1 $ $1+&**
81&1*8&& CLE3ELAND OH **1&1 %)$ #98 .%#. $%#+11#+8*9 %)* #9, .#&* $%#+$%1+&*$
-AN( ONE+
!OUN'STO5N+
NA
O -O/
.11&&*
CENTUR!
FEDERAL
CREDIT UNION
1$*& EAST
NINTH
STREET
ROO" .19
CENTUR!
NATIONAL -AN(
CHASE -AN( AS
TRUSTEE FOR
SLFC+ INC
$%& 5EST
HURON
RD/STE $$&-
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CHASE -AN( AS
TRUSTEE FOR
SLFC+ INC
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HURON
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CINCO FEDERAL
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*9 5"
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CINFED
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%%& "AIN
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CITIZEN4S
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%&&&
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CITIZENS
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OF 5OODSFIEL
CLIFTON
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AND -UILDIN' C
$&1 5
"C"ILLAN ST
CLS - NATIONAL
CIT! -AN(
ITTS-UR'
O -O/ %%.& -
LOC .1&*
1998 COHORT DEFAULT RATE FOR LENDERS
8&88%1&& CLE3ELAND OH **1&1 . 1. $*$ $1+,#9+$.. & & 9 $1&&+,#1
8&%9*#&& CLE3ELAND OH **1&1 .). ,1 .91 $#+98&+19, &)% # %,1 $#+#$&+%1.
8&8,,$&& CLE3ELAND OH **1&1 .)# 1%. $1#& $9+,.1+#$$ .)% 11& 1*,# $,+.89+$#%
8&88.*&& CLE3ELAND OH **1&1 %). 1$% $1.1 $1*+,#.+%&. % 8& 1%., $11+9%.+*#%
8&88..&& CLE3ELAND OH **1&1 .)* %1# ,9#& $%1+%*8+.*$ 8 .&9 8811 $,*+1&&+11,
8&8888&& CLE3ELAND OH **1&1 ,)8 81 119& $,+#.1+98* 8). ,1 ,9, $#+%91+%9,
8&89*$&& CLE3ELAND OH **1&1 & & 9 $1.+1.9 &)% 1 19% $&
8199#1&& CLE3ELAND OH **1&1 9)$ 1., 189* $1&+&8.+$89 .)* 1&% 1*18 $.+88.+9&&
8$**%%&& CLE3ELAND OH **1&1 %)1 1& 19, $,9$+.&1 & & 1$* $,%&+,&8
8#1*&#&& CLE3ELAND OH **1&1 .)1 1 1* $#9+1#& *)* % 11$ $#*%+$$,
8#&%*.&& CLE3ELAND OH **1&1 & & *, $$1&+#11 & & *& $$$$+%#.
8&##*8&& CLE3ELAND OH **1&1 *)% ,# 1#8% $,+,$.+.$& *). ,$ 1#&* $,+%9.+&$1
8&#,.*&& CLE3ELAND OH **1&1 1&)% ,1% %8%, $#&+.&8+$%8 1&)# *1% *&&. $18+#9%+*9$
CLS-NATIONAL
CIT! -AN( -
ACCESS
O -O/ %%.&+
LOC 0.1&*
CLS-NATIONAL
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O -O/ %%.&
LOC .1&*
CLS-NATIONAL
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OHIO
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CIT! -AN( OF
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LOC .1&*
CLS-NATIONAL
CIT! -AN( OF
OHIO
)O) -O/ %%.&
LOC .1&*
CLS-NATIONAL
CIT! -AN( OF
OHIO
O -O/ %%.&
LOC .1&*
CLS-NATIONAL
CIT! -AN( OF
OHIO
O -O/ %%.&
LOC .1&*
CLS-NATIONAL
CIT! -AN( OF
OHIO
)O) -O/ %%.&
LOC.1&*
CLS-NATIONAL
CIT! -AN( OF
OHIO
)O) -O/ %%.&
LOC .1&*
CLS-NATIONAL
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OHIO
O -O/ %%.&+
LOC 0.1&*
CLS-NATIONAL
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)O) -O/ %%.&
LOC .1&*
CLS-NATIONAL
CIT! -AN(+
INDIANA
O -O/ %%.&+
LOC .1&*
CLS-NATIONAL
CIT! -AN(+
INDIANA
)O)-O/ %%.&+
LOC .1&*
1998 COHORT DEFAULT RATE FOR LENDERS
8&*9%9&& CLE3ELAND OH **1&1 8)* #$# #8$9 $$#+#8$+*%& 9)$ #$8 #%,1 $$#+$%.+$&$
8&#*.8&& CLE3ELAND OH **1&1 1)1 1 88 $*$*+.,* 1)1 1 8* $*$*+.,*
81%89.&& CLE3ELAND OH **1&1 #)1 $ ,* $#$8+9&1 1$)% $ 1, $89+&*1
8&#%88&& CLE3ELAND OH **1&1 .)8 $* #&* $1+,.#+#.8 & & ,% $**8+.1#
8&#%%.&& CLE3ELAND OH **1&1 % # ,& $*&1+118 & & $1 $1%.+,9$
8&8%9&&& FRE"ONT OH *#*$& , $ ## $18$+,1# & & 1 $&
8&8.*.&& DELA5ARE OH *#&1% $). 1 #, $#1%+.9* & & $ $$+,$*
81*$.#&& O -O/ *%& !OUN'STO5N OH **%&1 1), $ 1$% $#*.+,1, & 1 1 $.+,..
8$,#$.&& DO3ER OH **,$$ & & *$ $$8.+.%. & & # $1+1&*
81*#*%&& EATON OH *%#$& & & #$ $$$.+1&% & & $9 $$$.+1&%
8#&$,.&& DEFIANCE OH *#%1$ #)$ 1 #1 $$&9+#8. #). 1 $. $$&9+#8.
8&8,#*&& CINCINNATI OH *%$,# .). .8 1&&* $%+&#.+*&& % 1 $& $*+%&,
CLS-NATIONAL
CIT! -AN(+
(ENTUC(!
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LOC .1&*
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LOC .1&* -
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SA3IN'S AND
TRUST
CO"AN!
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119 FILL"ORE
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7 TRUST CO
11& 5EST
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1*81
DEER5OOD
DRI3E
FIFTH THIRD
-AN(+ DET) "D
1&9&.A
#8 FOUNTAIN
S8 LAZA+
HELEN
CHURCH
1998 COHORT DEFAULT RATE FOR LENDERS
8$81&%&& CINCINNATI OH *%$,# #). % 1#% $,%9+,89 & & % $#+9,&
8$8$%.&& CINCINNATI OH *%$,# #). 1% #9. $$+88#+99$ & & . $&
8$9119&& COLU"-US OH *#$1% *), , 1$9 $8,$+&9$ & & 1 $&
8&8819&& ##. S "AIN ST FINDLA! OH *%8*& & & #$ $,,+$$& & & & $&
8&8.8&&& CINCINNATI OH *%$&$ 8)1 %$% ,*,. $#%+9&&+&#9 1&)$ $% $*# $$1#+8%.
8$$*%*&& -ELLE3UE OH **811 & & ## $1.&+&,& & & #1 $1.&+&,&
8&8,&,&& OH *##%1 & & #& $1&,+$9* & & #& $1&,+$9*
8$1,%,&& O -O/ 9%. 'ALION OH **8## & & #& $1*.+1%8 & & #& $1*.+1%8
8$$#.1&& DEFIANCE OH *#%1$ %)8 % 8% $*#9+8$1 & & # $%+%&&
8$,%&%&& 5OOSTER OH **,91 & & %1 $$.&+%.. & & & $&
8&8.%&&& EL!RIA OH **&#% 8 8 99 $#&$+#9& & & 1 $&
FIFTH THIRD
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$1 E) STATE
ST)+
ATTN62OHN
CRONIN
FIFTH THIRD
-(/NORTH5EST
ERN OHIONA
FIFTH THIRD
TRUST SLF+ "D
1&9&.A
ONE 5EST
FOURTH
STREET+
SUITE $&&
FIRELANDS
FEDERAL
CREDIT UNION
$$1 EAST
"AIN STREET+
O -O/ #&8
FIRST CITIZENS
NATIONAL -AN(
O -O/ $99
1&& N
SANDUS(!
A3E
UER
SANDUS(!
FIRST FEDERAL
SA3IN'S 7
LOAN ASSOCI
FIRST FEDERAL
SA3IN'S AND
LOAN
,&1 CLINTON
ST)+ O -O/
$*8
FIRST FEDERAL
SA3IN'S AND
LOAN ASSO
1#% EAST
LI-ERT!
STREET
FIRST "ERIT
-AN(/EST
1&% COURT
STREET
1998 COHORT DEFAULT RATE FOR LENDERS
81%,9*&& A(RON OH **#&8 %)$ % 9, $%$9+$&, & & 1 $&
8&8,$$&& A(RON OH **#&8 .). 1$1 1%,1 $9+8,1+$#8 8)# 1 1$ $,+$,%
8191,*&& DEFIANCE OH *#%1$ & & #9 $9#+.8& & & , $$+8*$
8&$9##&& COLU"-US OH *#$.1 %), $.$ *... $##+8##+9$9 &)$ $ 8*$ $1+#8$+1..
8&8,##&& "IDDLETO5N OH *%&*$ #)1 1 #$ $1&$+&*& & & 1 $#+.&&
8$1*.1&& O -O/ 8%, FOSTORIA OH **8#& %)* # %% $$*1+&*% %)% # %* $$#9+1.&
8##1&.&& CINCINNATI OH *%$&1 ,), $% #.* $1+%.&+$9% #1)9 $# .$ $$$$+#88
8&88#%&& NE5AR( OH *#&%8 $ 1 %& $#%8+#99 & & & $&
81##$9&& A(RON OH **#&8 #). , 1,$ $1+#*&+91% & & $% $1&%+8%8
8$.$*$&& !OUN'STO5N OH **%&1 , 1# $1, $1+&*9+1&1 %& 1 $ $%$*
8&8,*$&& COLU"-US OH *#$#% #)* 1, *,8 $$+$%%+&%* & & 1% $1+%&&
8#1%$$&& COLU"-US OH *#$#% ,). $%1 #,9$ $$1+,,9+,.8 &)* $ *%1 $$+1&#+&%.
FIRST
"ERIT/CITIZENS
NAT4L -AN(
111
CASCADE-
$ND FL) 2)
RHOADES
FIRST
"ERIT/FIRST
NAT4L -AN( OF
OHI
111
CASCADE-
$ND FL) 2)
RHOADES
FIRST NATI
-AN( OF
NORTH5EST
OHIO
*&% 5) THIRD
STREET
FIRST NATIONAL
-AN( OF
CHICA'O
O -O/
.11&&*
FIRST NATIONAL
-AN( OF
SOUTH5ESTER
N
1#&* SUNSET
STREET-
STUDENT
LOANS
FIRST OHIO
CREDIT UNION+
INC)
FIRSTAR -AN(
TRUSTEE FOR
CUNA
*$% 5ALNUT
ST O -O/
1118
FIRST-(NO/
NATIONAL -AN(
%& N) THIRD
STREET
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111 CASCADE
LAZA
HO"E SA3IN'S
7 LOAN
CO"AN! OF
O -O/ 1111+
$.% FEDERAL
LAZA 5EST
HUNTIN'TON
NATIONAL -AN(
.*%&
HUNNIN'TON
AR( DR
HUNTIN'TON
NATIONAL
-AN(/SL"A
.*%&
HUNNIN'TON
AR( DR
1998 COHORT DEFAULT RATE FOR LENDERS
8#$%8*&& (E"-A CU CINCINNATI OH *%$%& & & #8 $1%,+.&$ & & 1# $%9+&%.
8&$,8%&& CLE3ELAND OH **11* 8)# #* *&% $1+18$+$8, 1)% 1 ,# $1$,+1$%
8&9$1#&& CLE3ELAND OH **11* #)1 8 $%* $1+&,&+#,% & & 1%9 $89*+#9&
811&$%&& -ROO(L!N OH **1** #)# 1& #&& $1+%1,+891 & & $ $&
8&89%9&& CLE3ELAND OH **11* 1), ,9 *$&* $..+81#+99& &)* . 1,99 $$#+8,%+1%9
81#.,&&& CLE3ELAND OH **11* ,). 1,#, $*$99 $1%%+$$&+%1* $)9 1*% *98& $$%+11*+***
8#1%%$&& CLE3ELAND OH **11* $)# $*1 1&#%$ $1.&+$88+1*1 8)9 %1 %.# $*+8,$+#%8
8#18*8&& CLE3ELAND OH **11* $)1 $$1 1&#1. $9.+*81+9#8 *)1 $# %*9 $$+&$.+&*.
811.$8&& CLE3ELAND OH **11* #)$ 1. %$# $$+&11+*&. & & 11% $%$9+..8
8##$$&&& CLE3ELAND OH **11* & & & $& $)# $,. 11#%1 $$9&+8&,+9#8
O -O/
1*&9&; 1&*%
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IDAHO
8&&
SUERIOR
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&1-&$-&*$#
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ORE'ON
8&&
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&1-&$-&*$#
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UTAH
%&&&
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8&&
SUERIOR
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8&&
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8&&
SUERIOR
A3E)+ "C OH-
&1-&$-&*$#
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ED LENDIN'
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8&&
SUERIOR
A3E) "C OH-
&1-&$-&*$#
(E!-AN(+USA-
ED RES "S6OH-
&1-&$-&*$#
8&&
SUERIOR
A3E+*TH
FLR+OERATI
ONS
(E!COR
STUDENT LOAN
TRS 199%-- FN-
8&&
SUERIOR
A3E)+ "C OH-
&1-&$-&*$#
1998 COHORT DEFAULT RATE FOR LENDERS
8##1**&& CLE3ELAND OH **11* & & & $& 1), 1 ,& $,$8+8,1
8$%&*#&& LI"A OH *%8&$ #)8 * 1&* $,1&+.&* & & % $**+$1#
8$1*,,&& LORAIN OH **&%$ 8)# * *8 $$9$+#%, & & 1 $&
8&88,#&& !OUN'STO5N OH **%&1 *). 8 1,8 $88,+$*1 %)* 8 1*8 $.%&+&1.
8$$91%&& -OARD"AN OH **%1$ *), , 1#& $1+$*&+9&, & & & $&
8&8,1.&& TOLEDO OH *#,&* 9)1 .# .99 $*+1$8+98. & & 9 $9+.$1
8&88.$&& STEU-EN3ILLE OH *#9%$ 1& # #& $81+$&* & 1 1 $&
8&#,#*&& N-D -AN(+ N)A) COLU"-US OH *#$.1 8)9 1#88 1%*#1 $1&*+91.+#$* 1&), 9$8 8.&# $%9+#$,+$$9
8$.#1*&& CINCINNATI OH *%$*. & & #$ $#$9+,,8 & & & $&
8#1,%*&& CLE3ELAND OH **1&, 1)8 * $18 $8+.**+1#1 1)$ 1 .9 $$+%,%+99$
8&8,,*&& NE5AR( OH *#&%8 .). 19 $** $1+$&#+&9, 1,), $ 1$ $%+&8,
(E!COR
STUDENT LOAN
TRUST 199%-A
8&&
SUERIOR
A3E)+ "C OH-
&1-&$-&*$#
LI"A SUERIOR
FED CREDIT
UNION
1$&% E) (I--!
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NATIONAL -AN(
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.&$% "AR(ET
ST)+ CARLA
HUNTER
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%19 "ADISON
A3E+ ATTN6
LORI
"A'RU"
"INERS 7
"ECHANICS
SA3IN'S 7
TRUST
1$*-1#,
NORTH
FOURTH
STREET
)O) -O/
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OA( HILLS
SA3IN'S AND
LOAN CO"AN!
,%81
HARRISON A3
ATTN62
2ORDAN
OHIO COLLE'E
OF ODIATRIC
"EDICINE
1&%1%
CARNE'IE
A3ENUE
AR( NATIONAL
-AN(
O -O/
#%&&/ATTN6ST
UDENT LN
DET
1998 COHORT DEFAULT RATE FOR LENDERS
818*&9&& AR"A OH **1$9 & & #& $$.1+&*$ & & 1 $&
8&8,,,&& "ARIETTA OH *%.%& #)9 $ %1 $1,8+*$8 & & 1 $&
8&8,.8&& O -O/ 1&$8 EAST LI3EROOL OH *#9$& #)# 1 #& $1##+#$* & & & $&
8&81*&&& CLE3ELAND OH **11* 8)# %% ,%% $*+9*9+91* & & 1& $1#+.*.
8&89$.&& RICHLAND -AN( O -O/ #%&& NE5AR( OH *#&%8 $)8 1 #% $$,9+11* & & & $&
8$#$9,&& EL!RIA OH **&#% $)8 1 #% $$$9+1$# $)8 1 #% $$$9+1$#
8&8,8&&& 5ARREN OH ***8$ *). # ,# $#$$+,$* & & $ $&
8$99$*&& SRIN'FIELD OH *%%&$ #)$ $ ,1 $*$$+1#1 & & 1 $&
8#&%$*&& 5ARREN OH ***8# 1)% 1 ,% $$$%+#&8 & & % $&
8$.1#$&& S(! -AN( -ER'HOLZ OH *#9&8 %)# 9 1,. $1+&&&+#., 18)1 , ## $1%&+*8*
8##&$1&& CLE3ELAND OH **11* & & & $& # 1 ## $$8$+8&8
AR"A SCHOOL
E"LO!EES
CREDIT UNION
%$%%
RE'ENC!
DRI3E
EOLES
-AN(IN' 7
TRUST CO
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SA3IN'S 7
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CHARTER ONE
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1$1%
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SCHOOL
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UNI
#*&
'RIS5OLD
ROAD
SECOND
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OF 5ARREN
1&8 "AIN
STREET S 5
SECURIT!
NATIONAL -AN(
7 TRUST CO
*& S)
LI"ESTONE
ST) DANITA
FERR!"AN
SE3EN
SE3ENTEEN
CREDIT UNION+
INC)
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NE
$%, SECOND
ST) O -O/
#98
SOCIET!
STUDENT LOAN
TRUST 199*-A
8&&
SUERIOR
A3E)+ "C OH-
&1-&$-&*$#
1998 COHORT DEFAULT RATE FOR LENDERS
8#1&*&&& O -O/ %&9 -O5LIN' 'REEN OH *#*&$ *)* $ *% $1&$+81& & & 1 $&
8$998%&& -ROO(L!N OH **1** *), 1& $1, $1+$*%+%*& & & & $&
8$9,$,&& CINCINNATI OH *%$&1 *)# 1 $# $%#+,9* *)9 1&1& $&%## $1%&+9#8+81%
8#&,#1&& CINCINNATI OH *%$&1 .). , .. $$%1+%$, ,)8 *,* ,.9. $*$+.9.+,8#
8#1&&8&& CINCINNATI OH *%$&1 1$)% $ 1, $$*+,$% %)$ #8 .$* $#+1$$+9*&
8#1$99&& CINCINNATI OH *%$&1 8)# 1 1$ $$,+&*. 11)* 1&8 9*, $#+#89+99.
8#1*%%&& CINCINNATI OH *%$&1 *). $1 **, $$+&.*+&9& 1$)# 1$#* 1&&&8 $,8+..&+%.$
8#1,*&&& CINCINNATI OH *%$&1 *)* * 89 $1,&+%,$ *)% $$ *81 $1+%%8+8#$
8#1,9$&& CINCINNATI OH *%&&1 *)8 #, .*% $#+$..+.#& .)% *,% ,1#$ $#8+&,&+#$,
8#1.8%&& CINCINNATI OH *%$&1 & & 1$ $*$+%$8 8)8 . .9 $$*9+.81
8##&81&& CINCINNATI OH *%$&1 %)# .* 1#9& $*+,.1+1.# %)% .% 1#%% $%+998+881
8##1.%&& CINCINNATI OH *%$&1 ,)% *# ,%# $*+8$#+$&1 #)1 #. 11.1 $*+$$%+#%$
STATE HO"E
SA3IN'S
ASSOCIATION
STATE HO"E
SA3IN'S
-AN(+FS-
%&&&
TIEDE"AN
RD+ "C OH-
&1-%&-&8&1
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
ST+ LOCATION
%1$%
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
ST)LOC) %1$%
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FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
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%1$%
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FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
ST) LOC) %1$%
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
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LOC)%1$%
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FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
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%1$%
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FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
STREET
LOCATION
%1$%
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
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STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
STREET LOC)
%1$%
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
STREET "L
%1$%
1998 COHORT DEFAULT RATE FOR LENDERS
8##$&.&& CINCINNATI OH *%$&1 .)8 # #8 $1*8+&.9 # $. 88# $#+88%+#&.
8##$1*&& CINCINNATI OH *%$&1 & & & $& & 1 1&9$ $,+1.9+%*.
8&8.,%&& ARCH-OLD OH *#%&$ ,)$ $# #,8 $1+#99+8$$ $$)% . #1 $$*+#&.
8&888.&& THE OHIO -AN( FINDLA! OH *%8#9 #)* # 8, $*11+#&* & & $ $&
8&89$#&& CINCINNATI OH *%$&$ 9). .1 .#1 $#+**%+*8# & & 1% $#+18%
819,%.&& TIFFIN OH **88# $)# 1 *$ $$,.+8,9 $)* 1 *1 $$,.+8,9
8#&#,1&& )O) -O/ 1#11 5ARREN OH ***8$ $). $ .# $*$,+#,* 18)1 $ 11 $*,+.#&
81*#%%&& O -O/ $*19& CANTON OH **.&1 *)# $ *, $#1&+.*8 & & $ $&
8$*9&%&& DA!TON OH *%*&9 $)$ 1 ** $$,$+*## $)# 1 *# $$%$+%8,
8$&.*8&& 5OOSTER OH **,91 & & %. $$%*+,#. & & %* $$*$+.%*
8$9**#&& )O) -O/ $8, FAIR-ORN OH *%#$* $)8 8 $8% $1+,&,+88. & & , $&
8###&9&& "US(O'EE O( .**&$ $$)$ 1& *% $**+#,% & & , $*+%#.
81889,&& O -O/ .18 ATO(A O( .*%$% 1#)$ 9 ,8 $*&.+,,, & & %$ $#,*+*.*
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
STREET "/L
%1$%
STUDENT LOAN
FUNDIN'+ F-NA
TRUSTEE
*$% 5ALNUT
ST+ LOCATION
%1$%
THE FAR"ERS 7
"ERCHANTS
STATE -AN(
#&.-11 N)
DEFIANCE ST)
$#, S "AIN
STREET
THE RO3IDENT
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2OSEH FCU
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SA3IN'S 7
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SA3IN'S 7
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1%1 N
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5RI'HT-ATT
CREDIT UNION
INC
AR"STRON'
-AN(
)O) -O/ 188+
ATTN ERIC
TUC(
ATO(A STATE
-AN(
1998 COHORT DEFAULT RATE FOR LENDERS
8#1.$,&& SHA5NEE O( .*8&$ 9)$ $., $9.1 $19+*&,+$#* &)1 # 1.$1 $1$+.*9+11&
8&9&.&&& SHA5NEE O( .*8&$ 1#), $9 $1$ $*9#+1*& .)1 1 1* $$&+&9%
8&9&,#&& TULSA O( .*19$ .)# *## %8.8 $*#+#*#+.*# &)$ 1& *.&. $#%+.##+$*$
8&9&8.&& O -O/ 111. O("UL'EE O( .***. $1). 1& *, $8&+,*1 & & , $#+&#&
8#18.&&& 1 EAST FIRST ED"OND O( .#&#* ,)$ #* %*% $#+%*.+#&. & & $9. $$+*8*+#11
8#&%%%&& AL3A O( .#.1. 8 * %& $11,+#$$ & & 1* $$*+.%.
8#1&*.&& O -O/ 8#8 O(C O( .#1&1 & & ,. $1.%+,.$ & & ** $1#9+#,$
8$&*$$&& TULSA O( .*1&# $)$ 1 ** $%8+1.. & & $1 $*%+#,,
8$#1.9&& O -O/ .89 ARD"ORE O( .#*&$ & & #$ $9%+#$% & & & $&
8&899&&& O -O/ #$$8$ O(LAHO"A CIT! O( .#1$# 8)8 1$ 1#, $91%+9,, &)9 1 1&% $8*$+%%&
8&9&9.&& O(LAHO"A CIT! O( .#1&8 $% 8 #$ $9#+&9% & & & $&
8#1*88&& O -O/ #&9 DURANT O( .*.&1 11)8 19 1,1 $8.8+.1, & & $9 $1*%+$%%
819%1*&& O -O/ 1#& DURANT O( .*.&$ 9)8 $. $.% $1+$,#+18* &)% 1 1.# $9&%+1%9
-ANC FIRST-
SHA5NEE
STUDENT
LOAN DET
)O) -O/ 1,&8
-ANCFIRST
STUDENT LOAN
DE
)O) -O/ 1,&8
TINA
SEA5RI'HT
-AN( OF
O(LAHO"A
O -O/ $#&&+
ATTN6CHRISTI
E "C(UIN
CITIZENS -AN(
7 TRUST
CO"AN!
CITIZENS -AN(
OF ED"OND
CO""UNIT!
NATIONAL -AN(
O -O/ 9*#
1.$9
COLLE'E
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CONTINENTAL
FEDERAL S 7 L
ASSN
CONTINENTAL
FEDERAL S 7 L
ASSN/RTC
ARTHR
ANDERSON
CO $&E %TH
ST STE9&&
E/CHAN'E
NATIONAL -AN(
FIRST FIDELIT!
-AN(+ N)A)
FIRST NATIONAL
-AN(
9&9 S)
"ERIDIAN
FIRST NATIONAL
-AN( IN
DURANT
FIRST UNITED
-AN( AND
TRUST
CO"AN!
1998 COHORT DEFAULT RATE FOR LENDERS
8#1%.,&& O -O/ 8$# "ADILL O( .#**, 8)8 11 1$% $.8&+,.. & & 9, $,.1+1&.
818$8&&& O -O/ 1&$8 ENID O( .#.&$ 8)* 8 9% $#1#+,%# & & # $1+$%8
8#&19,&& O -O/ 1%%1& DEL CIT! O( .#11% 1&)% *, *#% $#+%%8+%91 &)# 1 #&, $$+%*9+$*1
8$8#%#&& O(LAHO"A CIT! O( .#1$, #)1 19 %9% $#+$1&+1&* & & *%* $$+*9*+#*.
8#1.8*&& O(LAHO"A CIT! O( .#11, *)# %% 1$,& $8+1,&+,%% & & 9*, $,+**1+&$&
8#1&,$&& O(LAHO"A CIT! O( .#1$% 1*)$ 1$ 8* $$91+*9. & & #, $1&#+1*8
81,9.,&& O -O/ 1&&8 CHIC(ASHA O( .#&$# 9 # ## $,*+9#% & & & $&
8$*,&.&& O(LAHO"A CIT! O( .#1&% ,)* $. *$& $1+19$+*99 #)# 1 #& $118+*1*
8$%,%9&& O -O/ 181*% O(LAHO"A CIT! O( .#1%* 1&), #8& #%.# $1.+,1%+,91 11 ,&# %*%# $$,+&#*+%,&
8$99#&&& O(LAHO"A CIT! O( .#1$# 8)# ** %$. $#+,.1+1#$ & & #*, $$+%%,+*##
8&9&81&& )O)-O/ 1988 STILL5ATER O( .*&., ,)% $9$ **.* $#%+.$#+$,. &)* 1% ##9$ $$9+9*#+#*1
8#1&&#&& O -O/ 9&& NOR"AN O( .#&.& , %9 9.& $1&+#%.+9$, &)$ $ .1$ $8+*&8+&9%
8##&89&& O(LAHO"A CIT! O( .#1%* 1)* # $&1 $*+,,&+*8$ & & 89 $1+.9%+&&9
LAND"AR(
-AN( CO"AN!+
N)A)
LI-ERT!
FEDERAL
SA3IN'S -AN(
LINCOLN
NATIONAL -AN(
LOCAL FEDERAL
-AN( FS-
#,&1 N5 ,#RD
ST+ O -O/
$,&$&
LOCAL
O(LAHO"A
-AN(
#,&1
NORTH5EST
,#RD ST)
NATIONS-AN(+
N)A)
9%$& N) "A!
A3E 1ST FL
O -O/ $%189
O(LAHO"A
NATL -( 7 TR
CO+ CHIC(ASHA
O(LAHO"A
STUDENT LOAN
AUTHORIT!
*%*% NORTH
LINCOLN
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O(LAHO"A
STUDENT LOAN
AUTHORIT!
ROC(5ELL
-AN(
O -O/
#$,&8
STILL5ATER
NATIONAL -AN(
7 TRUST CO
THE SECURIT!
NATIONAL -AN(
AND TRUS
THE UNI3ERSIT!
OF TULSA
O -O/ 181*%
9OSLA/A"
CHANDLER:
1998 COHORT DEFAULT RATE FOR LENDERS
81,#.,&& TIN(ER AF- O( .#1*% *)# $$ %&. $#+*8#+9,% *), $$ *., $#+*8#+9,%
8#1#$#&& )O) -O/ *999 TULSA O( .*1%9 1)$ 1 8& $$%&+1.. & & 1 $%+&%$
81$18.&& NOR"AN O( .#&19 1), 1 ,$ $*8.+8.& & & #* $$99+9$*
8#&#&.&& O(LAHO"A CIT! O( .#1$, 1)8 1 %# $#9*+,.* 1)9 1 %1 $#9*+,.*
8#&,98&& SALE" OR 9.#&$ & & *9 $#.1+*#* & & #. $#,,+*#*
8$8%#*&& O -O/ 189. ORE'ON CIT! OR 9.&*% &). 1 1#. $,%.+&9# 1 1 9, $*1$+.&*
8#$**$&& )O) -O/ #&, COR3ALLIS OR 9.##& $). * 1*# $.%1+#,. #)$ * 1$% $.*8+$#%
8&9$$*&& ORTLAND OR 9.$$8 %)1 $ #9 $9&+,8# & & $1 $.8+18&
8#1&$*&& EU'ENE OR 9.*&1 #)* * 11. $%#8+.$. & & .8 $%1%+#8#
8$9&&*&& O -O/ 1*9# EU'ENE OR 9.**& & & %# $111+%*& & & #1 $9*+.#*
8&9$&,&& )O) -O/ 8&&& 5ILSON3ILLE OR 9.&.& $). 1 #, $#1$+&,# & & $# $$%%+$,*
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1998 COHORT DEFAULT RATE FOR LENDERS
8$*8%&&& REEDS3ILLE A 1.&8* *), # ,* $$9&+8&. & & 1# $$9+%1#
8$8%#.&& SCRANTON A 18%&# $)8 # 1&, $.$.+.,, & & 1# $*9+#1.
8&9,8%&& A 1.%$& #). 9 $*$ $1+*$.+,$% * 9 $$* $1+*18+,##
8&9,.8&& LAUREL -AN( 2OHNSTO5N A 1%9&1 #)% $, .#, $%+1,.+*%$ & & .. $1#.+%$9
8$&$8#&& ETNA A 1%$$# ,)8 , 8. $.##+#%& & & 1# $,9+9,*
8&9*.9&& A 1.%$& #)9 11 $.8 $1+#8*+&*% * 8 199 $1+1%1+*.&
8&9,9%&& A 1.%$& & & & $& *)$ # .1 $$%.+##$
8&9.&,&& O -O/ $.& LE5ISTO5N A 1.&** & & %1 $##%+8%# & & . $.+9$1
8$,*8%&& "AIN LINE -AN( 3ILLANO3A A 19&8% #)1 1$ #8* $#+1,.+$#& & & %% $#$1+99*
81#*$&&& "ARION CENTER A 1%.%9 % $ *& $$$#+#8% %)$ $ #8 $$$#+#8%
8$8*,#&& ERIE A 1,%&1 9)# # #$ $199+*98 11)1 # $. $19.+.%,
8&9.1#&& -O/ 9$. "ARS A 1,&*, $)# $ 8, $,.&+9$$ $)* $ 8$ $,,%+1$#
(ISHACO8UILLA
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1998 COHORT DEFAULT RATE FOR LENDERS
81$.&*&& ITTS-UR'H A 1%$%9 9)% %* %,* $#+$1&+$8% 9)8 %% %,& $#+$$9+.9$
81#&$&&& ITTS-UR'H A 1%$%9 *)1 8 19$ $1+%8*+.*% *)8 $1 *#* $$+9%$+#$9
8&9.9&&& ITTS-UR'H A 1%$%9 .)9 8, 1&.8 $.+$8*+18& ,). 1# 19# $,$*+19.
8&9.&9&& ITTS-UR'H A 1%$%9 #)* #1 9&9 $%+9#8+,&9 #). $9 ..# $%+8$9+1*,
81&&9*&& ITTS-UR'H A 1%$%9 #)8 ## 8%& $%+*9#+*&. #)9 $9 .#% $%+#8&+81&
8&9,1.&& ITTS-UR'H A 1%$%9 %)# $%8 *81& $#%+.#.+,&# %)8 $$$ #81& $#$+*.%+1,.
8&98#9&& ITTS-UR'H A 1%$%9 # # 9. $,#1+,$9 #), 1#* #,,1 $9+8$*+,%*
8&9.*.&& ITTS-UR'H A 1%$%9 %)1 1.% ##9$ $$%+1%%+.,, %)$ *8, 9$.% $*9+9&9+#$8
8&9.$9&& ITTS-UR'H A 1%$%9 #)% $$ ,$. $*+1#1+8,1 8). ,& ,8$ $*+%,1+%,#
8&9%#%&& ITTS-UR'H A 1%$%9 1%). #%% $$%& $.+98.+9#% 1$)$ 11 9& $$.8+.%1
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1998 COHORT DEFAULT RATE FOR LENDERS
8#&**.&& ITTS-UR'H A 1%$%9 ,)8 #$. *..* $#&+$&$+89# ,), $#1 #*89 $$*+$89+...
8$,818&& ITTS-UR'H A 1%$%9 1)8 1 %* $#&8+1&9 & & ,# $8,.+%#8
81#.$,&& ITTS-UR'H A 1%$%9 . $% #%, $1+%8&+1&# .)% $% ##1 $1+,#&+,$9
8#11*&&& ITTS-UR'H A 1%$%9 .), 1*# 18.% $.+,##+#&# .)8 1#* 1.&# $.+,#9+%**
81##8%&& O -O/ *& "ECHANICS-UR' A 1.&%% 1)9 , #1& $1+.91+$#, 1). % $9* $1+.%9+818
81$88&&& $8. "AIN ST SAND! LA(E A 1,1*% & & *8 $#%,+9$$ & & 18 $1##+&$&
8$18$.&& -AN'OR A 18&1# %). * ,9 $#$*+%99 ,)1 * ,% $#$1+*%,
8&9*..&& "ID ENN -AN( O -O/ $&% DAL"ATIA A 1.&1. *), 8 1.$ $1+&%1+$.$ 8)# , .$ $$.8+8&.
8&.%8$&& ITTS-UR'H A 1%$$$ #), #1 8#8 $%+*.#+%9& & & # $&
8&9*,*&& E3ERETT A 1%%#. & & %1 $$*%+*$# & & * $8+&&&
8$89&9&& O -O/ .11 LE5ISTO5N A 1.&** $)$ 1 ** $$#*+&&* $)% 1 *& $$#*+&&*
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1998 COHORT DEFAULT RATE FOR LENDERS
81$88,&& "UNC! A 1..%, & & %1 $*$.+%9, & & *. $*$,+,%&
8&981.&& -O!ERTO5N A 19%1$ %)1 , 11, $.#*+.19 %)8 1 1. $19+#$,
8&98$.&& -ETHLEHE" A 18&1. $). # 11& $.*#+%11 & & 18 $%.+9.$
8&9%1,&& N-OC -AN( INDIANA A 1%.&1 %)9 1. $8, $$+*9&+%9. & & #& $89+.,8
8#$$1%&& NET FCU SCRANTON A 18%&8 9)8 % %1 $$8#+&$# 1& % %& $$81+*,$
8$888.&& O -O/ #*89 AL"ER A 18&*# #). $ %* $%%,+#%& & & 9 $%1+.%.
8$89$8&& ITTS-UR'H A 1%$#. ,)1 % 81 $,&.+%81 $% * 1, $#.+#19
81#*9*&& )O) -O/ .88 5ARREN A 1,#,% %)$ # %. $*$$+*%$ % # ,& $%1*+$##
8$81*1&& 5ARREN A 1,#,% *), *, 999 $%+.,,+&#. *). *# 9&9 $%+,9#+191
8$$,&9&& OLD FOR'E A 18%18 ,)* * ,$ $***+&#$ & & 1 $%+$%#
81#*&9&& STATE COLLE'E A 1,8&1 $)8 18 ,#% $*+%%.+&*. & & 11* $#99+#&#
8$*&*,&& HARRIS-UR' A 1.111 & & #& $$19+9%. & & $, $$&9+8&&
81,&$.&& "ONROE3ILLE A 1%1*, 1&)# $* $#1 $1+,#%+%&& & & .9 $#**+1$&
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1998 COHORT DEFAULT RATE FOR LENDERS
8$*.&%&& O -O/ ..8 CHA"-ERS-UR' A 1.$&1 &), 1 1*. $1+11&+*&, &). 1 1#. $1+11*+*.*
81$9,.&& SCRANTON A 18%&# 8)* #1 #,9 $$+*.9+*#1 8)* #& #%# $$+*%.+.81
8$9%&#&& HARRIS-UR' A 1.1&$ & & & $& %)# 19 #%, $%#$+,%&
81##%*&& 5ILLIA"SORT A 1..&1 .)* % ,. $$89+#1% & & 1$ $$*+$##
8$889#&& O -O/ 1&&, HARRIS-UR' A 1.1&8 1)# 1# 9%$ $.+$1,+*9. & & 1&, $$#*+,$8
8$18&1&& SOUDERTON A 189,* $)* 1 *1 $##1+911 #)# 1 #& $$%#+.,.
81#*19&& !OR( A 1.*&# $), $ ., $%$1+81. & & 9 $18+$$&
8&98.#&& INDIANA A 1%.&1 *)$ $ *. $$..+9,% & & # $*+#.%
8$$.9,&& INDIANA A 1%.&1 11). * #* $1.,+9.9 & & # $1,+$$8
8#&.8%&& -ADEN A 1%&&% & & ,8 $*&$+&#9 & & $ $.+&&&
8&98.&&& O -O/ A HALLSTEAD A 188$$ 8 . 8. $,,8+9*% 8)9 . .8 $,,*+.8%
8&98.*&& O -O/ $1. 5!ALUSIN' A 188%# *)8 * 8$ $**&+9,. & & 9 $1*+1##
8$&#*1&& FC -AN( CLARION A 1,$1* *)# 9 $&8 $1+$$%+&19 %)1 $ #9 $8&+$8,
ATRIOT
FEDERAL
CREDIT UNION
ENN SECURIT!
-AN( 7 TRUST
CO
1%& N
5ASHIN'TON
A3E
ENNS!L3ANIA
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1,.& OHIO
RI3ER -L3D
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EOLES STATE
-AN(
,%& "AIN
STREET
1998 COHORT DEFAULT RATE FOR LENDERS
8$89%.&& HILADELHIA A 191%* $). 8 $91 $1+.*%+,&& $)8 8 $8$ $1+.*#+9$,
8#$%*&&& TRE3OSE A 19&%# *)# # ,9 $#.*+1,9 *), # ,% $#.*+1,9
8$88#,&& HOENI/3ILLE A 19*,& $)8 * 1*1 $9#.+*$. #), % 1#8 $9$8+*#%
81&&*9&& CAR-ONDALE A 18*&. $)% % 199 $1+*%#+1#% & & $8 $9.+1,*
8&99$1&& ITTS-UR'H A 1%$$$ .)1 $1&8 $9*,% $$&1+91*+.,9 ,)* 8,. 1#%$# $%8+&.8+8,#
8&9%8$&& ITTS-UR'H A 1%$$$ $)8 1 #% $$8$+1.. 8)# 1 1$ $18+9.8
8#&9..&& 9&1 ARCH ST HILADELHIA A 191&. *)8 $8 %8& $#+**8+&%9 #)% 1% *19 $$+&*9+1%9
8&99*9&& E-ENS-UR' A 1%9#1 $)# $ 8% $%&8+1%* $)% $ .8 $%&*+$18
8&99,%&& O -O/ 9&&% 8UA(ERTO5N A 189%1 *)# . 1,1 $1+$$1+981 & & 9 $##+&88
8$8899&& ALTOONA A 1,,&1 $). % 18* $1+&&8+&%. 11)1 1 9 $,+.*9
81##81&& READIN' A 19,&$ *). * 8* $**&+*%1 %)* * .* $*##+1%1
81#*&#&& S 7 T -AN( INDIANA A 1%.&1 %)* *& .#1 $#+98&+%.% & & #. $9$+&%%
HILADELHIA
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CREDIT UNION
1$8&&
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UNION
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ORTA'E
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1T
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CENTER
8UA(ERTO5N
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RELIANCE
SA3IN'S -AN(
1119 1$TH
STREET
RI3ERFRONT
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CREDIT UNION
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STREET
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1998 COHORT DEFAULT RATE FOR LENDERS
8#$,&&&& )O) -O/ .*8& HILADELHIA A 191&1 % $ *& $189+#*, %). $ #% $189+#*,
81#*1*&& 3ANDER-ILT A 1%*8, %), , 1&, $,8$+.,& %)8 , 1&$ $,..+%1%
8$,$&9&& "ASONTO5N A 1%*,1 8)% # #% $$&&+..9 & & % $1$+,$8
8$.991&& O -O/ ..& HAZLETON A 18$&1 & & #1 $1*#+,.9 & & 1& $19+,8$
81##9%&& S(! -AN( NE5 CASTLE A 1,1&1 9)$ $, $8$ $1+,%9+819 1&)$ $, $%* $1+,#&+#%9
8#1&%#&& 5IL(ES--ARRE A 18.&, 1)9 $ 1&# $*9$+1%9 $)8 1*$, *99*& $#%8+#,&+%1.
8&9988&& SO"ERSET A 1%%&1 $). $ .* $*$8+9*1 #), $ %% $$%.+&*8
8&9%1*&& 'REENS-UR' A 1%,&1 #)8 $& %$& $#+9#,+%*& #)8 $& %1* $#+919+#9#
8$8.&.&& READIN' A 19,11 #)* #& 8,% $%+18%+&1# *). 199 *$$8 $19+9%8+$11
8#1&11&& O -O/ $$#1 ASTON A 19&1* , % 8$ $*81+891 ,)9 % .$ $*.8+%&.
8$$%#1&& CA" HILL A 1.&11 & & ## $19,+1,1 & & $8 $19,+1,1
S-1 E"LO!EE
FEDERAL
CREDIT UNION
SCOTTDALE
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CO"AN!
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1$1# SLATE
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1998 COHORT DEFAULT RATE FOR LENDERS
8&999*&& HU""ELS 5HARF A 1.8#1 & & *. $18.+,&% & & . $19+%$8
81$91&&& -R!N "A5R A 19&1& #). % 1## $1+$&*+#%, & & . $$8+,$&
8$,*%,&& THE DI"E -AN( HONESDALE A 18*#1 & & ,% $*%$+$*$ & & 8 $#1+#%,
8#1.19&& ITTS-UR'H A 1%$%9 %)$ $ #8 $11,+,%$ ,)$ $ #$ $111+.%,
81&1&*&& O -O/ 9%8 (ITTANNIN' A 1,$&1 .)* . 9* $%,,+9.* 8 . 8. $%%*+&99
81$9##&& NORTH EAST A 1,*$8 ,)% * ,1 $**8+$*$ & & # $#+..%
8$.**%&& NE5TO5N A 189*& &)8 1 11. $,&1+9&8 1 1 9# $%.,+*%&
8$$*8&&& O -O/ 9.&& 5IL(ES--ARRE A 18..# *). 11 $#$ $1+%91+#89 & & *& $$.,+&#.
8$89#1&& OTTSTO5N A 19*,* %). $ #% $$1.+##1 %)8 $ #* $$1,+*.#
81&1*1&& OTTS3ILLE A 1.9&1 9), # #1 $$$.+9%& %& $ * $,+%$9
81&1,,&& SOUDERTON A 189,* *)$ 1& $#% $1+%%$+$,* *)% 1& $18 $1+%8,+1.8
81&1.1&& O -O/ %,. "OUNT 2O! A 1.%%$ & & ,1 $1%9+$1. & & #& $$*+81*
S5INEFORD
NATIONAL -AN(
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1998 COHORT DEFAULT RATE FOR LENDERS
8#$*%*&& HILADELHIA A 191&, 9 #$ #%% $#+#1.+$*8 $1)% 1* ,% $#8%+.9*
8$*%1%&& HILADELHIA A 191&* &)8 9 1&1# $19+#,.+9,9 &)1 1 ,.% $11+988+&%8
81&1.#&& US -AN( 2OHNSTO5N A 1%9&. $)8 1* *91 $#+*8.+,$* & & 88 $$*.+$*,
8$891$&& 2OHNSTO5N A 1%9&$ & & ** $$.8+#.. & & *# $$.8+#..
8$$81%&& 5ASHIN'TON A 1%#&1 9)1 $& $18 $1+#&%+%%, 1&)* $& 19$ $1+$9*+8*$
81$89,&& 5A!NE -AN( O -O/ $,9 HONESDALE A 18*#1 *)% * 88 $*88+8%& & & $ $%+.*9
8&9#$#&& 5ILLIA"SORT A 1..&1 %)* $ #. $$&%+$8% ##)# $ , $#*+1#1
81911#&& O -O/ ,9 5EST "ILTON A 1.88, *)$ * 9% $*%*+1,9 *). * 8% $**8+,.9
8$888%&& 5E/FORD A 1%&9& & & #& $$*&+,&* & & % $$#+&1*
81&$$8&& 5ILLIA"SORT A 1..&1 &)* 1 $&9 $99&+&1* & & 1# $1+%8&
8$8*,*&& "ALE 'LEN A 19&&$ %)% # %* $19$+.#& ,)% # *, $18.+%91
8$&$8*&& !OR( A 1.*&1 #), 1# #,& $$+$11+,*& #)9 1# ##$ $$+1.*+%.,
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8&9#&&&& SANTURCE R &&9&9 9)1 1.& 18,* $,+8,#+1&$ &), % .,, $$+%9#+.$*
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8&%$&*&& RI3ERSIDE RI &$91% %)$ 1* $,8 $..8+1#& & & 9. $#8$+$8%
8&.#$9&& RI3ERSIDE RI &$91% $)$ *& 1.** $1$+*.9+99* & & 88 $$9$+%1#
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8$1,&1&& O -O/ $., 3ER"ILLION SD %.&,9 1)9 1 %1 $#$$+$*, & & 1 $&
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8#$#8*&& O -O/ %18% SIOU/ FALLS SD %.11. ,)% $&, #1%. $1$+%.,+181 %)8 *1$ ,98. $#8+*&*+81*
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1998 COHORT DEFAULT RATE FOR LENDERS
8#11*$&& SIOU/ FALLS SD %.11. .)# $%1 #*1$ $19+*8*+111 & & .& $1+%.%
8#119.&& O -O/ %18% SIOU/ FALLS SD %.11. 1)1 1 8% $*,1+*&9 & & * $&
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81&%##&& O -O/ 1& SEARFISH SD %..8# #). # 81 $%9&+#.9 & & * $&
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8#1*%#&& (NO/3ILLE TN #.9$$ 11), 11*. 988% $%1+,,$+*9$ 11)8 1*88 1$%*, $,%+1#9+898
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8$&,.%&& O -O/ $%,8 -RENHA" T/ ..8#* $&). 1, .. $1$#+9*$ & & $ $*.
81&.$%&& O -O/ 1.&&1 SAN ANTONIO T/ .8$1. 1$). 1&% 8$# $%+*,#+8** & & 1& $1&+.8#
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8$##8*&& CORUS CHRISTI T/ .8*1* 1)1 1 89 $,#&+*%8 %)$ 1 19 $1&*+$*1
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8#$%18&& SE'UIN T/ .81%, % . 1#8 $8.,+*#* & & # $#+*99
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8$1*%*&& LOS FRESNOS T/ .8%,, $&)9 #, 1.$ $%%*+1%# & & & $&
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8#$.#.&& DALLAS T/ .%$$% 11 ,1 %%* $1+8#,+$#* 1#)$ $% 188 $1+1&$+1#*
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81&8,#&& 'RO3ES T/ ..,19 1&). 1# 1$1 $*9#+8#9 & & $ $#%$
8$#%&8&& SAN ANTONIO T/ .8$$8 1)9 # 1%* $*+*.#+.$% $% 1 * $#&+&,1
81$..%&& SAN "ARCOS T/ .8,,. 1&). 1, 1*9 $*$9+,$9 & & & $&
8$.98%&& EL ASO T/ .9999 #)8 1* #,# $1+8,9+8#. & & % $1$+,$8
81&9,#&& NACO'DOCHES T/ .%9,1 8)* *% %#* $#+*&&+,** & & 8 $1+$$9
8#&1%1&& (ILLEEN T/ .,%*# %& $ * $$$+1&, * $,1 ,*%, $#&+.,9+1%&
8#1*.*&& (ILLEEN T/ .,%*. *&)9 9 $$ $.*+&&. #)9 $##* %8%%% $*%*+8&8+,9$
818,&#&& TE"LE T/ .,%&# %)% $ #, $$$%+,98 & & $ $&
81#%.1&& ORT ARTHUR T/ ..,*# & & #& $1$9+&#$ & & #& $1$9+&#$
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8$1#,$&& LA(E 2AC(SON T/ ..%,, & & ,% $%$9+19% & & * $%+.88
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8$8#*1&& )O) -O/ *.9. "CALLEN T/ .8%&$ 8). #$ #,% $1+%18+$%% & & & $&
8#11$$&& IR3IN' T/ .%&#8 9)8 19& 19#% $1$+*&,+*9, & & %, $18$+89&
8##&.$&& STEHENS3ILLE T/ .,*&1 .), 1* 18# $1+1$,+$1& & & % $&
8#1.$$&& T/ .%$** %). #. ,#8 $*+.1,+#%# & & *$ $$,$+9,*
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81&.$8&& NACO'DOCHES T/ .%9,1 1,)# 11& ,.# $$+9#*+,$$ & & .& $#*&+*$&
8$81*8&& O -O/ *&,9 AUSTIN T/ .8.,% %)% 119 $1*& $$$+%%%+&## & & ## $#9+1$9
819$$,&& 3ICTORIA T/ ..9&$ 9)# 1$ 1$9 $%&*+,$8 & & 1 $&
8&$$18&& (ILLEEN T/ .,%*# $)8 1* *9% $$+.9$+88% & & 198 $91&+#99
8#19$9&& HOUSTON T/ ..&&* 1&)* ,1 %81 $#+%,#+%** & & 1$ $$9+#%9
8$$#.#&& O -O/ 9199 O'DEN UT 8**&9 1)% $$ 1*$. $,+%.&+*,# & & $& $1&+&#.
81.**&&& O -O/ 1.%& ORE" UT 8*&%9 & & ** $$&#+9#* & & 1 $&
8&.,9,&& O -O/ .$& SALT LA(E CIT! UT 8*11& $)1 1$ %,* $#+%&8+#*# & & & $&
TE/AS STATE
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THE
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1998 COHORT DEFAULT RATE FOR LENDERS
8&$,##&& SALT LA(E CIT! UT 8*11& %)1 .& 1#,$ $%+#8&+&8$ 1)* 1 ,8 $8,+&8#
81#91%&& O -O/ .$& SALT LA(E CIT! UT 8*11& *)9 $88 %8,* $$8+&1&+18$ 1 1 9# $9$+,$8
81.%*%&& #,.% S 9&& E SALT LA(E CIT! UT 8*1&, &)8 1 1$$ $..1+,$% & & $ $$+,11
8#&.91&& O -O/ 1888 SAND! UT 8*&91 1 1 91 $*&%+#18 & & $ $9,
81.%*,&& SALT LA(E C! UT 8*111 #)1 $, 8#$ $*+1$9+1%1 * 1 $% $.+&19
8#&#.*&& SALT LA(E CIT! UT 8*1&, *)* , 1#, $$#1+&*& & & $. $%%+,%9
8$.1.#&& SALT LA(E CIT! UT 8*1&, $ 1 *8 $11,+$*8 & & $ $1*+%*8
8$.&81&& SALT LA(E CIT! UT 8*1&, & & %# $1$.+.$$ & & 1* $11+.$9
8$&$&&&& O -O/ .$& TOOELE UT 8*&.* 1). 1 %. $$.,+1#% & & & $&
8$99#*&& O'DEN UT 8**&# ,)* 8 1$% $.19+#19 & & 1 $&
8$91$#&& RO3O UT 8*,&* 1)* $& 1*&$ $8+.88+188 & & #1 $$+&*$
8#&1#$&& SALT LA(E CIT! UT 8*1%8 #), $, .&, $%+#,,+*#& %)% 1 18 $#&+999
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,,& SOUTH
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RTC AS
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188 5 RI3ER
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UTAH CREDIT
UNION
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1998 COHORT DEFAULT RATE FOR LENDERS
8#&1*,&& LO'AN UT 8*#*1 #), 8 $1. $1+1.9+#,1 & & # $&
8$,.1.&& O -O/ *%$&$ SALT LA(E CIT! UT 8*1*% & & & $& %)# #*$ ,#%$ $$*+,*.+$#8
8$9.,9&& O -O/ *%$&$ SALT LA(E CIT! UT 8*1*% & & & $& $)% $#% 9$8% $%#+#1#+911
8#&$*8&& O -O/ *%$&$ SALT LA(E CIT! UT 8*1*% & & & $& $ *% $$*% $1$+1&9+898
8$91%8&& O'DEN UT 8**&8 9). 1& 1&# $##.+**$ & & 1 $&
81.*%%&& O -O/ 1%&. SALT LA(E CIT! UT 8*11& #)* 19$ %,$1 $#1+%8*+%19 $)1 # 1#. $%%1+9.8
8#19#9&& ALE/ANDRIA 3A $$#1* 1)% $ 1$. $*#9+9$$ 8), $ $# $1*+,#,
8$.9,.&& 3A -EACH 3A $#*,$ 1), # 18$ $1+1,&+$$1 1), # 181 $1+1,&+$$1
8##$%#&& RESTON 3A $&19# *)% %# 11,% $1,+$**+8*1 11)# $#$18 $&*1., $1+%%.+1%&+*8,
8$*$,*&& O -O/ 999. ALE/ANDRIA 3A $$#&* & & #& $$8$+89$ & & 18 $$,#+,8.
8&%*$%&& O -O/ 9#. FALLS CHURCH 3A $$&*& & & *9 $$#*+#$9 & & *8 $$#*+#$9
8111$,&& ROANO(E 3A $*&*& #)% *# 1$$, $#+9$*+$9. & & 1& $&
811$18&& ROANO(E 3A $*&## $)* ## 1#$. $#+%.#+.$% & & $9 $11+9$.
8#1&%$&& ROANO(E 3A $*&*& ,)8 * %8 $,#,+$$, & & , $1&%+,9*
USU
CO""UNIT!
CREDIT UNION
,9% E 1&&&
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UTAH STATE
-OARD OF
RE'ENTS
UTAH STATE
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UTAH STATE
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CREDIT UNION
*1*&
HARRISON
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9&9 NORTH
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1,&
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FIRST UNION
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1##$.
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1998 COHORT DEFAULT RATE FOR LENDERS
81&,9*&& O -O/ 9#. FALLS CHURCH 3A $$&*& *), $ *# $1..+.,& *). $ *$ $18,+,,.
8$18#%&& FALLS CHURCH 3A $$&*& $)* $8 11*& $%+81%+*9, $)# $9 1$$8 $,+1$*+**8
8#1&#8&& )O) -O/ $,, "ECHANICS3ILLE 3A $#111 $)* 1 *1 $%#+1$% & & & $&
8##*%8&& RICH"OND 3A $#$,1 & & & $& ,)$ 1#. $18$ $1#+#9,+1,*
8$$1#1&& HA"TON 3A $#,,, *)* 1# $9& $1+%%8+,9# & & 1, $$1+&,.
8$,#8#&& O -O/ 1$$88 ROANO(E 3A $*&$* $)% $ .. $#8,+%8& & & $& $**+.%.
811$%#&& -LAC(S-UR' 3A $*&,$ & & *$ $181+.$$ & & 1 $1+#1$
81%%&$&& O -O/ ##%& "ERRIFIELD 3A $$119 $)8 8# $88* $$*+$$#+919 $)9 8# $.,9 $$*+$&,+&%1
8#$$,$&& NE5ORT NE5S 3A $#,&1 %)* $ #. $1,8+$8% %)* $ #. $1.,+9.,
8$.9&8&& HERNDON 3A $$&.& & & #% $#&9+9%. & & #* $#&%+8.9
8$98*8&& O -O/ 1*#$ ALE/ANDRIA 3A $$#1# $)1 9 *$* $#+,99+81% $)# 9 #91 $#+,9%+19&
8$,$&*&& O -O/ 1,%8 DAN3ILLE 3A $*%*# & & #* $8#+#8# & & & $&
819..1&& O -O/ 1#&9 STAUNTON 3A $**&$ % $ *& $$9&+.** & & # $9+*1%
FIRST 3ANTA'E
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NE5ORT
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FEDERAL
CREDIT UNION
$&& SRIN'
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EOLES -AN(
OF DAN3ILLE
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7 TRUST CO) OF
3A
1998 COHORT DEFAULT RATE FOR LENDERS
8$9%8.&& RESTON 3A $&19# & & & $& & & $,, $199+8&%
8#&,1.&& SL"A RESTON 3A $&19# & & & $& 8)9 19 $1$ $.18+#*8
88888*&& SL"A RESTON 3A $&19# & & & $& & & *# $*&&+,..
899988&& SL"A RESTON 3A $&19# .)* $ $. $%#+#&1 1$ 8*. .&1& $#%+1*1+&8$
89998.&& RESTON 3A $&19# & & $ $& & & *$ $9&+#%&
89998#&& RESTON 3A $&19# & & & $& #)8 ,&1 1%%8* $$1,+1*9+9&#
899999&& RESTON 3A $&19# & & 1 $& & & #9$ $8#%+*%$
8#&,*9&& RESTON 3A $&19# & & 1 $& ,)$ %& 8&* $#+#,*+%#*
89999%&& RESTON 3A $&19# & & 1 $*+$$& . #%9 %&%9 $1*+$#%+88&
8111.8&& O -O/ $,8,% RICH"OND 3A $#$,1 $)9 19 ,#* $1+$.$+1#* & & $9 $8+8,&
811#8.&& NORFOL( 3A $#%&1 & & .* $*8+#%# & & 8 $&
8$.19,&& O -O/ 1*#& ALE/ANDRIA 3A $$#1# $)% $ .9 $,#1+&.& & & #* $$19+*$%
89998$&& RESTON 3A $&19# & & & $& & & #1 $#1+*$%
8&$%,&&& O -O/ $.1.$ RICH"OND 3A $#$,1 8)8 *% %&8 $$+.*%+*99 9 *% %&& $$+.*&+9%8
SALLIE
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1998 COHORT DEFAULT RATE FOR LENDERS
811111&& O -O/ $.1.$ RICH"OND 3A $#$,1 & & & $& & & *1 $&
811#&*&& O -O/ $.1.$ RICH"OND 3A $#$,1 .). *#% %%9% $$.+9,*+,9, 1*)* #&, $1$% $,+&8&+%.#
8198.#&& RICH"OND 3A $#$,1 %)9 19. ##$& $1*+98,+%&$ 8), 8%, 98.8 $.*+$%#+&.1
8$&%,*&& O -O/ $.1.$ RICH"OND 3A $#$,1 1&)8 1.& 1%,. $8+,,&+##9 & & .* $$$.+%,1
8$*1#%&& RICH"OND 3A $#$,1 1$)% $8 $$# $,8*+%,9 1$)% $8 $$# $,8*+%,9
8$9%%,&& SALE" 3A $*1%# #). 1, *$8 $1+%*1+8,# *)# 1, #,9 $1+%$8+91.
8#$&##&& ALE/ANDRIA 3A $$#1* & & %. $%9$+%#$ & & *% $%9$+%#$
8$,#1,&& RICH"OND 3A $#$19 1 . ,#8 $1+&&#+*9* &)$ 1 *1% $%+&&&
811$%$&& )O) -O/ .&& L!NCH-UR' 3A $*%&% *), *& 8,8 $*+**%+1.. & & ,% $91+9%&
8$&1.*&& O -O/ 1#,% 5A!NES-ORO 3A $$98& & & #$ $$1%+%#8 & & #$ $$1%+%#8
819188&& O -O/ *,& CHRISTIANSTEAD 3I &&8$1 9), # #1 $1*#+11& & & $% $1$%+9#$
8#$&%1&& ST) THO"AS 3I &&8&# 8)1 # #. $1&$+1%* & & & $&
811*$#&& O -O/ 8$& -URLIN'TON 3T &%*&$ 1)# % #.. $9%*+..8 & & # $&
8&.91%&& 5ILLISTON 3T &%*9% .)$ $8 #8* $$+,1%+*%$ & & 1# $*%+$.9
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1998 COHORT DEFAULT RATE FOR LENDERS
8$.$88&& 5ILLISTON 3T &%*9% #)1 1 #$ $1*9+1&% & & $ $#+8.%
8#&&.%&& O -O/ $&&& 5INOOS(I 3T &%*&* #)* $$% ,**# $#.+&*.+%.1 #)* $$8 ,,.& $#8+1$,+*1,
811%.9&& O -O/ 1.9, 5ALLA 5ALLA 5A 99#,$ & & #1 $1&8+.$$ & & 1, $,8+$&%
811.#%&& O -O/ #*$$. SEATTLE 5A 981$* 1. .$ *$$ $1+%91+.$8 & & 1&$ $*&8+&.9
81*81.&& O -O/ #*$$. SEATTLE 5A 981$* 9)# 8*1 89.& $%9+9%.+8#8 &)* 1% ##99 $$9+*$9+9#9
8$#*$$&& TU(5ILA 5A 981,8 #)# 1* *19 $$+88*+%#$ & & #1& $$+*&,+##$
811%89&& 3ANCOU3ER 5A 98,,1 $). $ .# $,9&+8#8 & & %8 $%%&+.,1
81.9.&&& O -O/ $1, COULEE DA" 5A 9911, & & #. $1,$+*,, & & #. $1%9+9&#
8#1&%.&& SEATTLE 5A 981&9 9)# * *# $$,9+*8* & & $8 $$*,+.18
81.898&& RICHLAND 5A 99#%$ & & %# $$8,+#8% & & %& $$8,+#8%
8#&**&&& -ELLIN'HA" 5A 98$$% & & #% $$#1+*.# & & $, $1.*+,$$
811,1#&& (ITSA -AN( O -O/ 111& -RE"ERTON 5A 98##. 11)* . ,1 $#,&+,** 11)* . ,1 $#%$+#9*
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3ER"ONT
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OF 5HATCO"
11&& NORTH
STATE ST
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1998 COHORT DEFAULT RATE FOR LENDERS
811,1%&& SEATTLE 5A 981$* , % 8# $$,*+..$ & & $, $9$+,1$
811811&& O -O/ $8% -URLIN'TON 5A 98$## *)# $ *, $#*,+89$ & & ## $$$,+$,%
819%&*&& O -O/ ,&11 SO(ANE 5A 99$&. $)1 1 *. $#&&+989 & & #9 $$91+8%1
8$&998&& SO(ANE 5A 99$&% 1)* , *11 $#+*,1+*8& 1)% % ##& $#+&11+&8&
8$9,91&& SEATTLE 5A 981&* & & & $& 1$)% #, $8. $88%+9&8
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8#&*8%&& SEATTLE 5A 98111 .). %%. .198 $%1+*&9+18& &). # *&# $1+#88+1&*
8$&&*#&& SEATTLE 5A 98111 , $89 *.*. $#1+#%%+$*# &)$ 9 ##&, $$%+$9&+.##
8$9%&%&& SEATTLE 5A 98111 1). # 1,. $,..+%,1 & & .# $#9$+.*$
8#&###&& SEATTLE 5A 981&9 & & 98 $,.8+$%. & & .* $,1,+#*&
SECURIT!
ACIFIC -AN(
5ASHIN'TON
O -O/ C-
$*&119
S(A'IT STATE
-AN(
SO(ANE
RAIL5A!
CREDIT UNION
SO(ANE
TEACHERS
CREDIT UNION
5EST 1&,
NORA
STUDENT LOAN
FINANCE
ASSOCIATION
811 FIRST
A3E+ STE %&&+
TERI 2ONES
TACO CREDIT
UNION
T5IN COUNT!
CREDIT UNION
O -O/ .18+
2) 'AFFNE!
SEC LOANS
5ASHIN'TON
"UT -N( 1 "S)
2OAN 5OOD
O -O/ 8#*+
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5ASHIN'TON
"UTUAL -AN(
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"UTUAL -AN(
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SAS&*1$ O
-O/ 8#*
5ASHIN'TON
SCHOOL
E"LO!EES
CREDIT
#$%
EASTLA(E
A3ENUE EAST
1998 COHORT DEFAULT RATE FOR LENDERS
8$18&,&& OL!"IA 5A 98%&1 1)* , *&8 $#+#..+#9$ &)# 1 #&% $$+,#8+#,.
8$$*#9&& 5ESTERN -AN( SEATTLE 5A 98111 #)8 * 1&# $*,9+*9& & & .% $*19+,#$
8#&9#*&& O -O/ 9.%& -ELLIN'HA" 5A 98$$. *)# * 9# $%1#+988 & & ,$ $*#9+&&.
818$%*&& O -O/ $9$$ !A(I"A 5A 989&. & & %% $$$.+*&& & & %% $$$.+*&&
8#11%.&& AAL ALETON 5I %*919 1)9 * $&* $1+%8*+#%$ & & 1 $&
8#&#11&& (ENOSHA 5I %#1*$ & & #$ $$,#+8#1 & & $ $&
8#1.88&& O -O/ *%& -ARA-OO 5I %#91# *)$ # .1 $#9%+&8& %& 1 $ $1,+#&$
8$9*9&&& STE3ENS OINT 5I %**81 #)* * 11, $#9$+&%# & & & $&
81181.&& -EA3ER DA" 5I %#91, & & #1 $1*8+&*$ & & & $&
8$#&11&& "ADISON 5I %#.&. % *1 81$ $%+*8.+*$8 *)* #$ .1% $%+#%,+9.#
8&$9&$&& 1#&% "AIN ST STE3ENS OINT 5I %**81 # * 1#$ $1+18.+9#. & & *# $#.#+%$8
8$#,99&& STE3ENS OINT 5I %**81 #)1 81 $%## $1*+18&+*$* #)* 1&8 #1.$ $$&+1$&+8$8
8$8*.8&& STE3ENS OINT 5I %**81 ,)1 #, %8# $$+$.#+%%% 8)# $9 #*. $1+.&%+91%
8119#8&& 1#&% "AIN ST STE3ENS OINT 5I %**81 * 1# #$1 $1+9&.+$.& *)$ 1# #&# $1+9&%+,99
5ASHIN'TON
STATE
E"LO!EES
CREDIT U
O -O/
5SECU
O -O/ 8#*
FTH&*1$
5HATCO"
EDUCATIONAL
CREDIT UNION
!A(I"A 3ALLE!
CREDIT UNION
*#$1 NORTH
-ALLARD
ROAD
A-" CO""UNIT!
CREDIT UNION
,.1%
'REEN-A!
RD
A"CORE -AN(
CENTRAL
5ISCONSIN
A"ERICAN
E8UIT! -AN(
SS-
,*& DI3ISION
STREET+ )O)
-O/ 1*8
A"ERICAN
NATIONAL -AN(
OF -EA3ER DA
O -O/ *#8+
11% FRONT
STREET
ANCHOR-AN(+
S)S)-)
$% 5EST
"AIN ST O
-O/ .9##
ASSOCIATED
-AN(
ASSOCIATED
-AN(
1#&% "AIN
STREET
ASSOCIATED
-AN(
1#&% "AIN
STREET
ASSOCIATED
-AN( 'REEN
-A! NATIONAL
1998 COHORT DEFAULT RATE FOR LENDERS
8119*8&& 1#&% "AIN ST STE3ENS OINT 5I %**81 1)% $ 1## $8#.+##* 1)% $ 1$8 $9#.+98$
81991%&& STE3ENS OINT 5I %**81 *)1 # .# $.9&+*11 *)$ # .& $.,#+#,1
81818%&& STE3ENS OINT 5I %**81 %)* 9 1,* $1+&$1+#$1 %)9 9 1%$ $1+&$&+,$.
8181.9&& STE3EN OINT 5I %**81 8)1 1& 1$$ $,91+.$9 8)$ 1& 1$1 $.&%+&%9
8$&&9*&& 1#&% "AIN ST STE3ENS OINT 5I %**81 $)* 1 *1 $1%.+$%$ $). 1 #, $1*1+%$%
8119&,&& 1#&% "AIN ST STE3ENS OINT 5I %**81 $)9 * 1#. $8#.+#9$ $)8 * 1*& $9#9+88.
8188,9&& RACINE 5I %#*&8 #)# 1 #& $1$%+,9% #). 1 $. $1$1+*98
818%&%&& O -O/ 1#& RAIRIE DU SAC 5I %#%.8 $)* 1 *1 $$$.+9&* $)% 1 *& $$$1+.*.
8#1&.1&& (E5AS(U" 5I %#&*& #)1 1 #$ $1,#+%#9 & & 1 $&
8$.,$#&& "ENASHA 5I %*9%$ .)9 8 1&1 $,$9+#.. 9 # ## $1,#+#,1
8118**&& -ARA-OO 5I %#91# .)9 % ,# $#%#+#8. & & & $&
8118*1&& -A!LA(E -AN( STUR'EON -A! 5I %*$#% & & %* $$$1+1,, & & & $&
8#1*.,&& 2ANES3ILLE 5I %#%*. * % 1$$ $.*&+1,9 *)# % 11% $.*&+1,9
ASSOCIATED
-AN(
LA(ESHOE+ N)A)
ASSOCIATED
-AN( "ADISON
1#&% "AIN
STREET
ASSOCIATED
-AN(
"IL5AU(EE
1#&% "AIN
STREET
ASSOCIATED
-AN( NORTH
1#&% "AIN
STREET
ASSOCIATED
-AN( OF
ORTA'E
ASSOCIATED
-AN(+ NA
-AN( OF
EL"5OOD
$.&*
LATHRO
A3ENUE+ O
-O/ &811,&
-AN( OF
RAIRIE DU SAC
-AN(
5ISCONSIN
O -O/ ,8
1$$% FOND DU
LAC A3ENUE
-ANTA CREDIT
UNION OF
"ENASHA
8*9 5ARSA5
ST O -O/
,#%
-ARA-OO
NATIONAL -AN(
1&1 THIRD
A3E
O -O/ 9+
STUDENT
LOAN DET)
-LAC(HA5(
CREDIT UNION
O -O/ 1#,,
$.&* EAST
"IL5AU(EE
ST
1998 COHORT DEFAULT RATE FOR LENDERS
81$&#,&& NE5 RICH"OND 5I %*&1. $)8 * 1#8 $,*,+%&, * 1 $% $9*+.9%
818,1#&& (I"-ERL! 5I %*1#, &)9 1 11& $.%*+&%* 1)$ 1 8# $,*#+,.8
8&19*%&& "IL5AU(EE 5I %#$%9 $), * 1%& $*1.+$8% & & $ $&
8$,%8*&& O -O/ .9& "ARSHFIELD 5I %***9 $), 1 #8 $118+181 $). 1 #. $1$*+9#*
8191&%&& "U(5ONA'O 5I %#1*9 #)* $ %8 $#.,+#%8 *)# $ *, $$$9+9*%
8#1$%8&& OSH(OSH 5I %*9&# *)* 8 1.8 $9#*+&,$ %)1 8 1%* $8%.+1.&
8$8#,,&& ONALAS(A 5I %*,%& %)1 $ #9 $$89+1%. ##)# 1 # $$%+$*.
8118%&&& -OSCO-EL 5I %#8&% $)% 1 #9 $1$9+$#. & & & $&
8$,91&&& ALETON 5I %*91# #)* , 1.$ $8$%+,,. #), , 1,* $8$*+#%*
8188.&&& UNION 'RO3E 5I %#18$ & & #9 $18#+&*$ & & $ $#+,1#
8#11.1&& 5I %*,1% #)$ 1 #1 $1*9+&*% #)$ 1 #1 $1*9+&*%
818,%9&& "ADISON 5I %#.&% *)8 , 1$% $99%+8#9 & & $ $&
-RE"ER
-AN(+NATIONAL
ASSOCIATION
%#$ (NO5LES
A3E)+ SOUTH
CAITAL CREDIT
UNION
1&1&
ROSECT
STREET
CENTRAL -AN(
OF DEN3ER
$&1 5
5ISCONSIN
A3E *.&-1
1F-"
CENTRAL CIT!
CREDIT UNION
CITIZENS -AN(
OF
"U(5ONA'O
O -O/ $$#+
#&1 NORTH
ROCHESTER
ST
CITIZENSFIRST
CREDIT UNION
)O) -O/
#&*,+ $%&
NORTH
SA5!ER ST
CO""UNIT!
CREDIT UNION
,$% "AIN
STREET
CO""UNIT!
FIRST -AN(
9$%
5ISCONSIN
A3ENUE+ -O/
#&.
CO""UNIT!
FIRST CREDIT
UNION
$,$, SOUTH
ONEIDA ST+
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CO""UNIT!
STATE -AN(
1%&& "AIN ST+
O -O/ ,,
CO-O CREDIT
UNION
O -O/ 1%.+
1$% FILL"ORE
STREET
-LAC( RI3ER
FALLS
CUNA CREDIT
UNION
DR O -O/
%*$8
1998 COHORT DEFAULT RATE FOR LENDERS
818&89&& DEN"AR( 5I %*$&8 % # ,& $*&*+.*9 & & & $&
819*8&&& RACINE 5I %#*&8 % 1, #19 $$+&&#+&%& %)1 1, #1& $$+&&1+81.
8#18$*&& "IL5AU(EE 5I %#$&1 *)9 *. 9%* $#+98.+&1& $)$ 1 ** $1,.+$.1
8$.1&*&& 5AU5ATOSA 5I %#$1# #)8 $ %$ $$8*+*,& %)8 $ #* $18#+8#$
8199%8&& #&% DOT! ST) "INERAL OINT 5I %#%,% & & ## $1,.+.1. & & $ $1+$.,
8$8.1*&& -ELOIT 5I %#%1$ & & #8 $$#1+$*& & & # $1+9&&
8$##*#&& OCONO"O5OC 5I %#&,, *)# $ *, $#*.+*#, & & 1& $1&&+,.1
8118%#&& -URLIN'TON 5I %#1&% .)% # *& $$#%+1%8 & & 1 $$+%*#
81189.&& 5HITE5ATER 5I %#19& .)% # *& $$*$+$&& & & & $&
8$$%*.&& LACROSSE 5I %*,&$ #)% % 1*1 $%$%+%#, *)8 * 8$ $$#$+,#1
8#&*9$&& LACROSSE 5I %*,&$ * 1$. #1,1 $$$+,#1+8#* *)# 1$. $9$* $$$+*&.+1$%
81191*&& )O)-O/ $,9 5AUACA 5I %*981 $), 1 #8 $1*#+%9* & & $ $,%,
81#8%#&& HUDSON 5I %*&1, & & %* $#&1+*%% & & %# $#&1+*%%
DEN"AR(
STATE -AN(
O -O/ 1#&+
L!NNETTE
DUC(ETT
EDUCATORS
CREDIT UNION
O -O/
&81&*&
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SER3ICES
)O) -O/ %#$+
"(--R-$&9#+
STUD LOAN
E8UITA-LE
-AN(+ SS-
$$9& NORTH
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ROAD
FAR"ERS
SA3IN'S -AN(
FIRST
A"ERICAN
CREDIT UNION
O -O/ 8.8+
.*, FOURTH
STREET
FIRST -AN(
FINANCIAL
CENTER
1%% 5
5ISCONSIN
A3E
FIRST -AN(IN'
CENTER
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*&&
"IL5AU(EE
A3E O -O/
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FIRST CITIZENS
STATE -AN(
$&. 5EST
"AIN STREET+
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FIRST FEDERAL
SA3IN'S -AN(
,&% STATE
ST)+ )O) -O/
18,8
FIRST FEDERAL+
SA3IN'S -AN(
O -O/ 18,8
,&% STATE ST
FIRST NATIONAL
-AN(
FIRST NATIONAL
-AN( OF
HUDSON
O -O/ 18.
#&. SECOND
ST
1998 COHORT DEFAULT RATE FOR LENDERS
811911&& RI3ER FALLS 5I %*&$$ $ $ 1&& $,8#+9#9 $9 %* 18, $1+1&$+9*#
8$&.*1&& -ELOIT 5I %#%11 .)8 # #8 $11$+%.# & & & $&
8$#8&8&& 'REEN -A! 5I %*#&1 $)$ . #&. $1+.%1+&8& & & 1 $&
8#$&#%&& FIRSTAR -AN( "IL5AU(EE 5I %#$&1 .)# ,$ 8** $*+$$&+19% & & 1, $%8+89,
8&*&$.&& "IL5AU(EE 5I %#$&1 #). # 81 $*&&+#,, & & %. $#%*+#.&
8&*$,.&& "IL5AU(EE 5I %#$&1 ,)* ,% 1&&% $%+9**+$88 &)1 1 .$* $*+.,9+18&
819,%9&& "IL5AU(EE 5I %#$&1 *)9 $# *,* $$+&$.+#1* & & $8$ $1+%,,+&&1
8$8*$,&& "IL5AU(EE 5I %#$&1 1)$ 1 .. $$9.+##. $)$ 1 *% $$##+8,*
8&*$,%&& "IL5AU(EE 5I %#$&1 %)9 1& 1,9 $%9$+8*. & & 9# $*.$+.#.
8119#&&& EAU CLAIRE 5I %*.&$ *)9 * 81 $#%*+*$. & & 1 $&
818*#,&& )O) -O/ #& FOND DU LAC 5I %*9#, 1 1 9# $#%%+*19 & & & $&
FIRST NATL
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LOCUST
STREET O
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FIRST NAT4L -(
7 TRUST CO OF
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#*% E 'RAND
A3ENUE
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NORTHERN
SA3IN'S -AN(
$&1 N
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O -O/ %#$+
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ATTN6 SUE
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FIRSTAR -AN(
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1&TH FL)
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FIRSTAR -AN(
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2OEHN(
1&TH FL)
STUDNT LN
DET) O
-O/ %#$
FIRSTAR -AN(
EAU CLAIRE+
N)A)
1#1 S)
-ARSTO5
STREET
FIRSTAR -AN(
FOND DU LAC+
N)A)
1998 COHORT DEFAULT RATE FOR LENDERS
8&$8**&& "IL5AU(EE 5I %#$&1 %), $9 %1% $*+&#&+#.1 & & 11* $%*8+18,
81,&9.&& O -O/ 1$1& "ANITO5OC 5I %*$$1 $)% 1 #9 $1%&+.%% & & & $&
8$9#.*&& "IL5AU(EE 5I %#$&1 ,)% $18 ##*, $$1+89%+#8& .)1 1. $#9 $9,*+1#&
81$&%1&& 'REEN -A! 5I %*#&% & & ## $%.+,&, & & & $&
8$*8##&& "IL5AU(EE 5I %#$&$ $)9 1& ##8 $$+11%+.,% & & & $&
8119$1&& OSH(OSH 5I %*9&# 1)9 1 %1 $1$,+%1% & & & $&
81*%*8&& 5I %#&%1 9)8 **. *%#1 $$1+&&#+$%* &)* 1 $1& $,9*+1*1
8&8,$8&& "IL5AU(EE 5I %#$&1 9)* 1%8 1,.9 $8+**8+,.% %), 9 1%9 $#,$+,$.
81,&8,&& "IL5AU(EE 5I %#$&1 1& 1., 1.%, $%+***+,9# *)# * 9$ $1,&+*&9
8$8##8&& FT AT(INSON 5I %#%#8 $)$ 1 ** $$99+.#& & & 1. $89+$,1
8$8.,$&& OSH(OSH 5I %*9&$ %)% , 1&9 $%$#+#*1 ##)# , 18 $19+9#1
819$%,&& ALETON 5I %*911 1)9 $ 1&# $%%#+9#, 1)9 $ 1&1 $%%1+%%.
FIRSTAR -AN(
ILLINOIS
)O) -O/ %#$+
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STUD LOAN
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FIRSTAR -AN(
STUDENT LOAN
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N.8 51*%%
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FIRSTAR -AN(+
NA
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STUD LOAN
FORT
CO""UNIT!
CREDIT UNION
8&& "ADISON
A3ENUE O
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O -O/ 8&+
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STREET
FO/
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CREDIT UNION
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5ISCONSIN
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1998 COHORT DEFAULT RATE FOR LENDERS
8$8&99&& 5EST -END 5I %#&9% $). 1 #, $9&+.9% & & 18 $$*+.99
8$8%8&&& -ROO(FIELD 5I %#&&% & & *. $$%$+.88 & & *, $$%$+.88
8$.9%*&& "IL5AU(EE 5I %#$&9 9)$ 1$ 1#& $,#9+18# 9)* 1$ 1$. $,#9+18#
8$.#*8&& 5EST ALLIS 5I %#$$. $)9 $ ,8 $*%#+&&& & & * $1*+198
8$9*1*&& 'REEN -A! 5I %*#&% $)% 1 #9 $1%9+%,$ 9 1 11 $$&+..#
8$#8$.&& "ADISON 5I %#.&. #)$ # 9$ $,,&+$%# & & & $&
818&8%&& O -O/ *9& 5I %*,1% & & #9 $$&#+%.9 & & #8 $$&#+%.9
8$*%18&& 2OHNSON -AN( RACINE 5I %#*&# #). . 18, $1+1&$+9*, & & % $$+$&*
8$%**,&& O -O/ $,& (AU(AUNA 5I %*1#& & & %8 $#*,+%#$ & & %% $#*,+%#$
8$,89%&& (OHLER 5I %#&** & & 8$ $***+#$8 & & .9 $***+#$8
8$.,%,&& 5AU(ESHA 5I %#18. 1), $ 1$& $,#*+,%. 1). $ 11$ $,$,+11$
8$8.1%&& NE5 HOLSTEIN 5I %#&,1 $)# 1 *# $$.%+%,* $)# 1 *$ $$.%+%,*
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CREDIT UNION
18 E)
5ASHIN'TON
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11$$& 5EST
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UNION
8%&
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$*&& N
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1.8
LA-TEC CREDIT
UNION
$&1. "AIN
STREET
1998 COHORT DEFAULT RATE FOR LENDERS
8$9.#$&& "IL5AU(EE 5I %#$&1 1)8 1 %* $$,$+1.$ $)$ 1 *% $$%&+$&1
8#&9,*&& "IL5AU(EE 5I %#$&1 ,)* $ #1 $9&+$$% 8)# $ $* $8#+9*8
8199&9&& "ADISON 5I %#.&% #)$ # 91 $*$.+891 * # .% $*$&+&.$
81189$&& 5ASAU 5I %**&$ $), ,# $#%, $11+$&1+#&8 ,)$ 1& 1%9 $$%.+9.*
818*9*&& "IL5AU(EE 5I %#$&$ 1)$ 1 8# $*#1+8*. 1)* 1 ,9 $#9%+,.9
8#&9,#&& RHINELANDER 5I %*%&1 ,)8 # ** $1&,+9,. %)$ $ #8 $1&%+.,&
8#1&9#&& "7I -AN( EAU CLAIRE 5I %*.&1 #)1 1. %*& $$+91%+&&9 #)# 1% *%# $$+81&+,8$
8#&8,*&& ALETON 5I %*91$ #)# 8 $*$ $9,%+*,9 #)* . $&% $91,+$9#
818*&#&& O -O/ 891% "ADISON 5I %#.&8 & & 8& $$**+%1% & & $ $&
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1998 COHORT DEFAULT RATE FOR LENDERS
8$&1$9&& "ADISON 5I %#.&% $)8 $ .1 $$.#+9*& #)# $ ,& $$%#+**8
8181#%&& O -O/ . "A!3ILLE 5I %#&%& $)* 1 *1 $$11+,$9 #)1 1 #$ $$&1+#9$
8#1&9*&& OS(OSH 5I %*9&$ *)1 $ *8 $1*,+#,& & & & $&
8#1$1.&& SHA5ANO 5I %*1,, $)$ 1 *% $1.%+#&1 $), 1 #8 $1,,+,.,
819.#9&& O -O/ 8998 "ADISON 5I %#.&8 *), $# *9% $$+,.$+&,& *)8 $1 *#, $$+.**+*8.
8#1&99&& 5I %#%81 #). * 1&8 $*,#+%.& *)# * 9$ $%#.+,%.
8119$*&& "ADISON 5I %#.&% 1$), 1% 119 $*8.+,,# 1#)8 1# 9* $*%*+.89
8119%&&& "ADISON 5I %#.&% .)# 11 1*9 $8&%+8%, 8 1& 1$% $.8,+.&#
818#91&& "ADISON 5I %#.&% *)* # ,. $$89+$9& %)* # %% $$,9+.1#
8$$9&#&& 5ATERTO5N 5I %#&9* 1)1 $ 1., $8*%+9#1 1)$ $ 1%9 $91&+$.*
8#11&9&& 2UNEAU 5I %#&#9 & & #* $11%+%18 & & 1 $&
8$$#%1&& "7I -AN( SS- O -O/ %1,& ALETON 5I %*91# 1)# 1 .$ $*,#+&%8 1). 1 %8 $**8+%.*
8$18,,&& "7I -AN(+ FS- "IL5AU(EE 5I %#$&1 #)8 # .8 $**$+9$& * # .* $*#,+.,$
8#&9,1&& )O) -O/ %1,& ALETON 5I %*91# #)$ , 18# $8*1+,#% #), , 1,* $9,9+*#$
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1998 COHORT DEFAULT RATE FOR LENDERS
8118,8&& O -O/ 1188 EAU CLAIRE 5I %*.&$ $)% $ .. $$,&+*,# #). $ %* $$*%+,1#
81$.%%&& EAU CLAIRE 5I %*.&1 $ 1 *9 $1##+8$* $)8 1 #% $11,+%$.
8119*9&& "IL5AU(EE 5I %#$&1 8). 1$9 1*8$ $8+%*#+%%, 9 119 1#11 $8+#*&+1,*
818,1%&& STE3ENS OINT 5I %**81 #)8 11 $8% $1+&*1+,*8 * . 1.* $.&.+#1&
8119,.&& "IL5AU(EE 5I %#$&$ %)* $ #. $118+8,1 #)1 1 #$ $1&8+#81
818%&*&& "IL5AU(EE 5I %#$1% * $ *9 $$9%+89. & & 1 $$+&&&
8$88%#&& "ANITO5OC 5I %*$$& & & %$ $$1.+99# & & 1# $1&+%,&
8$91%%&& O -O/ 1,,, 5AUSAU 5I %**&$ $)8 1 #% $$&9+1$# & 1 1 $*,8
8$9**1&& FOND DU LAC 5I %*9#, $)% * 1%* $919+%#8 $)8 * 1#9 $8%1+#.$
8##&8*&& SUERIOR 5I %*88& 1,), % #& $11%+.91 1,), % #& $11%+.91
8#$*##&& "IL5AU(EE 5I %#$&$ 1#)# * #& $1$8+,8& 1#). * $9 $1$8+,8&
8$98%.&& "IL5AU(EE 5I %#$$# .)8 $, ##$ $1+,11+9,$ ,)8 $, #81 $1+89&+*%$
8191$9&& "IL5AU(EE 5I %#$$# #)* . $&% $1+1#1+,9# #)$ , 18% $1+1&*+,9*
"7I CO""UNIT!
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"7I CO""UNIT!
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SER3ICES
$$,, SOUTH
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SA3IN'S -AN(
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$#988
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SA3IN'S -( OF
5ISCONSIN S)A)
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RD O -O/
$#988
1998 COHORT DEFAULT RATE FOR LENDERS
8119%9&& FOND DU LAC 5I %*9#% $)$ # 1#1 $88,+,&& 1.), # 1. $8,+&.#
8$881$&& NIA'ARA 5I %*1%1 & & #1 $18%+*.8 & & #1 $18%+*.8
8$*8$*&& "IL5AU(EE 5I %#$1, 1&)8 % *, $*$1+1,9 11)# % ** $*$1+1,9
8$11$%&& -ROO(FIELD 5I %#&&% 1)8 1 %# $199+9,8 & & 1 $&
8$#,1.&& -ROO(FIELD 5I %#&&% 1 1 1&& $#,.+#.. & & 1 $&
8119.$&& ASHLAND 5I %*8&, $)9 1 #* $11.+$*. & & & $&
8$,1&*&& OZAU(EE -AN( )O) -O/ # CEDAR-UR' 5I %#&1$ $)1 $ 9* $.1$+1$1 $)8 $ .1 $*%&+%8,
8#1*1#&& 2ANES3ILLE 5I %#%*. *), $ *# $$,&+*8* *). $ *$ $$,&+*8*
818*91&& -LOO"ER 5I %*.$* & & #1 $,9+$1& & & #1 $,9+$1&
8$$*.%&& O -O/ 1,8, 5AUSAU 5I %**&$ #)% $ %. $$8#+&&& #)9 $ %1 $$.,+#*#
8$9&,.&& 'REEN -A! 5I %*#&, $)1 1 *, $18*+##% & & & $&
8#1*.1&& O -O/ $%$, 'REEN -A! 5I %*#&, & & #1 $189+&$$ & & & $&
818,&9&& 5I %#&.* % $ *& $$1#+8$% & & 1 $%+%98
NATIONAL
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CREDIT UNION
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FRAN(LIN
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5ASHIN'TON
1998 COHORT DEFAULT RATE FOR LENDERS
8$8$,8&& DE ERE 5I %*11% #)1 1 #$ $.#+#&, & & & $&
8$%,&$&& O -O/ $.8 RHINELANDER 5I %*%&1 & & *& $191+8*& & & #9 $191+8*&
8$#*%9&& EAU CLAIRE 5I %*.&1 &), # *.# $1+8%9+19* &), # *.1 $1+8,.+#.%
818,1$&& )O) -O/ $&#% "IL5AU(EE 5I %#$&1 ,), 1* $&9 $1+118+.1% 9), 1$ 1$% $,8%+.#&
81$&&1&& -O/ 1#& SHELL LA(E 5I %*8.1 ,)* $ #1 $1#,+89% & & 1 $&
8$9$*,&& T5O RI3ERS 5I %*$*1 *)1 $ *8 $$1.+&*9 #)$ 1 #1 $1$,+&&%
899989&& "ADISON 5I %#.&* & & $ $19+,1* ,)9 1.88 $%8$8 $1%*+.#,+1,%
8$.1*%&& 5AU5ATOSA 5I %#$&, %)% 1# $#, $1+#%&+*81 $, , $# $8&+$98
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8##1#&&& "ADISON 5I %#.&8 *). , 1$, $.*.+9&9 % , 1$& $.*.+9&9
8$,%8%&& "IL5AU(EE 5I %#$1* %). * .& $***+1%9 1.), # 1. $,1+8$1
81#8%*&& HALES CORNERS 5I %#1#& $)$ 1 ** $$*9+,*1 $)# 1 *$ $$*9+,*1
8$#,18&& "IL5AU(EE 5I %#$11 1&)# , %8 $*&9+### 11)1 , %* $*&9+###
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1998 COHORT DEFAULT RATE FOR LENDERS
8$&&,%&& THE AR( -AN( "ADISON 5I %#.1# #)9 $ %1 $#$%+.&. & & & $&
8$1#.%&& LA CROSSE 5I %*,&$ #)9 , 1%1 $9##+1&# *)1 , 1*% $9#*+9,8
8$$$18&& HALES CORNERS 5I %#1#& .)$ 18 $%& $1+$8#+8*. . 18 $%* $1+%&9+18*
818,11&& "ADISON 5I %#.** %)$ ,. 1$.8 $11+#$$+,9# %)8 ,, 11$$ $1&+%89+118
81$&*1&& 5AU(ESHA 5I %#18. %)$ 1# $*. $1+#89+#.% $.)% 8 $9 $%#+8$$
818*9#&& 5AUSAU 5I %**&$ & & #* $$%#+8#& & & ## $$%#+8#&
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8$$89.&& O -O/ .& 5EST-! 5I %*,,. 1). 1 %8 $#$#+11. 1)8 1 %* $#$#+11.
8#1*%9&& "ENO"ONIE 5I %*.%1 #), 9 $*8 $1+##8+1.9 #). 9 $*# $1+##8+1.9
8#1%&*&& CHARLESTON 53 $%#&1 %). $ #% $8&+%.& & & * $9+&$%
819$.,&& -EC(LE! 53 $%8&$ .)% 1& 1## $,1&+8.% & & 11 $18+.1$
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8$*#&9&& CROSS LANES 53 $%#1# # 1 ## $1#$+&%& & & 1* $#*+$&,
8$1%$$&& O -O/ 988 AR(ERS-UR' 53 $,1&$ #)$ 1& #&% $#+$81+8.# 1), $ 1$# $1+*%9+$*,
8$1%$1&& O -O/ 1*$9 EL(INS 53 $,$*1 #)# 1 #& $1.1+*9$ 1$)% 1 8 $$8+&%$
811%19&& (E!SER 53 $,.$, ,). $# #*# $1+*99+.., & & #1 $,#+89&
811%.&&& 5HEELIN' 53 $,&&# 9)# * *# $1&9+899 1$)% 1 8 $$%+9%#
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81,%%%&& O -O/ $#9 HUNTIN'TON 53 $%.&. 1)9 1 %$ $#$%+%.% & & $ $%+.#.
811%1.&& O -O/ $1#9 FAIR"ONT 53 $,%%% $)9 1 #* $,1+&&* & & # $11+$$*
811%$.&& O -O/ 8%# "OR'ANTO5N 53 $,%&. 8)* 1& 118 $,#&+98* 1)% 1 ,# $#&%+$18
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8$.*.%&& "OUNDS3ILLE 53 $,&*1 $)$ 1 ** $1*&+#%* & & , $1&+*19
8#11%8&& O -O/ 1.9# CHARLESTON 53 $%#$, ,)9 #8 %** $$+19#+9%8 1)$ 1 .. $$*$+#9&
819%%#&& CHARLESTON 53 $%#$, 11 1&8 9.9 $*+8%,+$81 &)8 1 11# $#.1+19$
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1998 COHORT DEFAULT RATE FOR LENDERS
8$.#9%&& O -O/ 1.9# CHARLESTON 53 $%#$, %), .. 1#.$ $.+1,&+#1$ 1)1 * #%9 $1+8,%+&$1
81.,9,&& 5EIRTON 53 $,&,$ & & %% $*&1+,#9 & & %& $*&1+,#9
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8$.#8%&& 5EIRTON 53 $,&,$ & & #% $1&#+88, & & * $8+,%&
8$#&99&& 5HEELIN' 53 $,&&# %)8 1$ $&% $.#.+%9& & & $1 $*&+1%9
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8#$&1.&& O -O/ 1&$. LARA"IE 5! 8$&.& 1)9 1 %1 $1%%+81, & & 1. $%,+%9.
81$&,8&& O -O/ #9# RI3ERTON 5! 8$%&1 ,)8 .# 1&%8 $*+1$.+1*1 &). 1 1#1 $%%$+.&*
8$9$1,&& CHE!ENNE 5! 8$&&# ,)* $ #1 $88+.*. & & 9 $*%+8&&
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FIRST NATIONAL
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5!O"IN'
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1998 COHORT DEFAULT RATE FOR LENDERS
81,1&%&& CHE!ENNE 5! 8$&&# 1&)* . ,. $18#+.8$ & & & $&
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