{"id":12615,"date":"2014-11-14T15:19:59","date_gmt":"2014-11-14T20:19:59","guid":{"rendered":"https:\/\/blogarchive.utc.edu\/news\/?p=12615"},"modified":"2015-12-17T15:15:01","modified_gmt":"2015-12-17T20:15:01","slug":"utc-attributes-lower-student-loan-defaults-several-initiatives","status":"publish","type":"post","link":"https:\/\/blogarchive.utc.edu\/news\/2014\/11\/utc-attributes-lower-student-loan-defaults-several-initiatives\/","title":{"rendered":"UTC attributes lower Student Loan Defaults to several initiatives"},"content":{"rendered":"<p><em>Partnership to Engage Students and Alumni for Better Student Loan Repayment Brings Results<\/em><\/p>\n<p>The University of Tennessee at Chattanooga has lowered its three-year student loan cohort default rate.\u00a0 The U.S. Department of Education uses the cohort default rate (CDR) to track default rates. This measurement is the percentage of cohorts (students entering repayment within the same year) who default on their loans.<\/p>\n<p>\u201cWe attribute UTC\u2019s declining default rates to a focus on educating students about personal finance and loan repayment options. The secret to our success has been the combination of dedicated staff to educate students face-to-face, and communication with former students about loan repayment options,\u201d said Dianne Cox, UTC Director of the Office of Financial Aid at UTC.<\/p>\n<p>The University\u2019s three-year default rate dropped from 12.1 percent for fiscal year 2009 to 10.5 percent in fiscal year 2010; the most recent three-year default rate is 8.9 for fiscal year 2011. The national three-year default rates, which have risen for the last several years, now stand at 13.7 percent, according to recently released federal data.<\/p>\n<p>UTC developed the Financial Wellness Center to inform students of the importance of good decision making when it comes to paying for college.<\/p>\n<p>\u201cEducating students and parents regarding the financial aid process is the starting point for limiting student debt.\u00a0 We do this in the community by partnering with local high schools and after school programs.\u00a0 On campus, we offer this information and other financial information through our Financial Wellness Program\u201d Dr. Jeff Rector, Assistant Director of Client Services\/Training and Outreach in the Financial Aid Department.<\/p>\n<p>The Financial Wellness Center at UTC recently hired three Peer Financial Coaches who work with students in the areas of finances, budgeting, spending, and other general financial topics.<\/p>\n<p>Upperclassmen with a background in business and finance are trained to help not only UTC students and prospective students in the surrounding community.<\/p>\n<p>In after-school programs for middle-school students and programs for high school students, the Peer Financial Coaches explain the importance of saving and budgeting for college expenses.\u00a0 They also take an active role in helping prospective college students complete the Free Application for Federal Student Aid (FAFSA).<\/p>\n<p>\u201cMoney management, particularly when it is mismanaged, impacts every area of one\u2019s life. These financial wellness initiatives serve as a prime example of how UTC strives to ensure student success both now and after graduation,\u201d said Bill Parker, who runs the Financial Wellness Center.<\/p>\n<p>The Office of Financial Aid helps students to understand how their debt affects all aspects of higher education.<\/p>\n<p>\u201cAlthough student debt may directly affect the student, the ramifications of student debt are far reaching\u201d according to Rector.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Partnership to Engage Students and Alumni for Better Student Loan Repayment Brings Results The University of Tennessee at Chattanooga has lowered its three-year student loan cohort default rate.\u00a0 The U.S. Department of Education uses the cohort default rate (CDR) to track default rates. This measurement is the percentage of cohorts (students entering repayment within the&hellip; <\/p>\n<p class=\"more-link-wrap\"><span><a class=\"more-link button text\" href=\"https:\/\/blogarchive.utc.edu\/news\/2014\/11\/utc-attributes-lower-student-loan-defaults-several-initiatives\/\"><span>Continue Reading <\/span><\/a><\/span><\/p>\n","protected":false},"author":294,"featured_media":12616,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_ef_editorial_meta_date_first-draft-date":"","_ef_editorial_meta_paragraph_assignment":"","_ef_editorial_meta_checkbox_needs-photo":"","_ef_editorial_meta_number_word-count":"","_ef_editorial_meta_checkbox_slider":"","_ef_editorial_meta_checkbox_featurette":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15,661],"tags":[],"class_list":{"0":"post-12615","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-campus","8":"category-students","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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