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

The LENDERXX file (where XX is the last two digits of the year) contains the official cohort default rate data for lenders with more than 30 borrowers in repayment. The GAXX file contains the official cohort default rate data for guaranty agencies.

The following tables define the file layout of the LENDERXX and GAXX files.

LENDERXX

Field Name Field Description Type Width Decimal
LID Lender's OPE ID Char 8  
NAME Lender's Name Char 35  
ADDRESS Lender's Address Char 35  
CITY Lender's City Char 20  
STATE Lender's State Char 2  
ZIP Lender's Zip Code Char 5  
ZIP1 Lender's Zip Code Extension Char 4  
YEAR Cohort Year 20XX Char 4  
ORIG RATE Originating Lender's Official Default Rate Num 6 2
ORIG IN DEFAULT Originating Number of Borrowers in Default Num 10 0
ORIG IN REPAY Originating Number of Borrowers in Repayment Num 10 0
ORIG REPAY AMT Originating Amount in Repayment Num 14 0
CURR RATE Current Holder's Official Default Rate Num 6 2
CURR IN DEFAULT Current Holder's Number of Borrowers in Deflt Num 10 0
CURR IN REPAY Current Holder's Number of Borrowers in Repay Num 10 0
CURR REPAY AMT Current Holder's Amount in Repayment Num 14 0


GAXX

Field Name Field Description Type Width Decimal
GAID Guarantor ID Char 3  
NAME Guarantor's Name Char 55  
ADDRESS Guarantor's Address Char 35  
CITY Guarantor's City Char 20  
STATE Guarantor's State Char 2  
ZIP Guarantor's Zip Char 5  
ZIP1 Guarantor's Zip Code Extension Char 4  
YEAR Cohort Year 20XX Char 4  
GA DEFAULT RATE Guarantor's Official Default Rate Num 6 2
GA DEF Guarantor's Number of Borrowers in Default Num 10 0
GA REPAY Guarantor's Number of Borrowers in Repayment Num 10 0
GA AMT REPAY Guarantor's Amount in Repayment Num 14 0
Last updated September 30, 2013

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