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Instructions for the Lender/Guarantor Default Rate Files



This page tells you how to view and use the information in the official cohort default rate spreadsheets for lenders and guaranty agencies. These instructions apply generally to the current and previous releases; only the years would differ. If a hard copy of the reports is required, please call the Cohort Default Rate Hotline at (202) 377-3053.

Using the Data

  1. The file has been compressed for downloading. To decompress it use PKUNZIP or WinZIP or any other application that can deal with the .zip extension.
  2. Once you have unzipped the file, you will see that it is in Microsoft Excel. Double-click on the file, and it will be open in Excel.

The Lender Rates spreadsheet contains the official cohort default rate data for lenders with more than 30 borrowers in repayment. The GA Rates spreadsheet contains the official cohort default rate data for guaranty agencies.

The following tables define the layout of the Lender Rates and GA Rates spreadsheets.


Lender Rates


Field Name Field Description
LID Lender's OPE ID
Name Lender's Name
Address Lender's Address
City Lender's City
State Lender's State
Zip Code Lender's Zip Code
Zip Ext Lender's Zip Code Extension
Cohort Year Cohort Year 20XX
Orig Rate Originating Lender's Official Default Rate
Orig Def Originating Number of Borrowers in Default
Orig Rep Originating Number of Borrowers in Repayment
Orig Rep Amt Originating Amount in Repayment
Curr Rate Current Holder's Official Default Rate
Curr Def Current Holder's Number of Borrowers in Default
Curr Rep Current Holder's Number of Borrowers in Repayment
Curr Rep Amt Current Holder's Amount in Repayment


GA Rates


Field Name Field Description
GA Code Guarantor ID
Name Guarantor's Name
Address Guarantor's Address
City Guarantor's City
State Guarantor's State
Zip Code Guarantor's Zip Code
Zip Ext Guarantor's Zip Code Extension
Cohort Year Cohort Year 20XX
GA Default Guarantor's Number of Borrowers in Default
GA Repayment Guarantor's Number of Borrowers in Repayment
GA Rates Guarantor's Official Default Rate
Dollars in Repayment Guarantor's Amount in Repayment
Last updated September 30, 2015

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