Student-Loan-Press-Briefing-Presentation

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Cohort default, delinquency rates by school-leaving age • The 5-year-default rate increased for all age groups, and it is somewhat elevated for those who left school between age 30- 39 • About half of the 2009 cohort borrowers in this age range had gone through defaults or severe delinquency in the subsequent 5 periods 26
Student loan repayment behavior Student Loan Repayment Status in 2014 current, balance increasing 33% delinquent or in default 17% current, same balance 13% current and paying down 37% Source: New York Fed Consumer Credit Panel / Equifax 27
Page 1 and 2: Student Loan Borrowing and Repaymen
Page 3 and 4: Researching student borrowing • W
Page 5 and 6: Student loans increased as other de
Page 7 and 8: Increases among borrowers of all ag
Page 9 and 10: Significant heterogeneity in amount
Page 11 and 12: Number of active borrowers peaked i
Page 13 and 14: Larger rise in level of lower incom
Page 15 and 16: Wrapping up, part 1 • Student deb
Page 17 and 18: Distribution of payment history Sna
Page 19 and 20: Defaults and default rate Thousands
Page 21 and 22: Default rate by school leaving coho
Page 23 and 24: 5-year cohort default and delinquen
Page 25: 5-yr Cohort default and delinquency
Page 29 and 30: 5-year cohort repayment difficultie
Page 31 and 32: 2009 cohort repayment rates by inco
Page 33: Wrapping up • These results are f

Student-Loan-Press-Briefing-Presentation

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