2 3 4 1 Mark Kantrowitz, Analysis of FY2011 Gainful Employment Data, July 13, 2012; Department of Education Negotiated Rulemaking 2013-2014 -- Gainful.

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4 1 Mark Kantrowitz, Analysis of FY2011 Gainful Employment Data, July 13, 2012; Department of Education Negotiated Rulemaking Gainful Employment / Support Data

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8 Nontraditional status is based on the presence of one or more of seven possible nontraditional characteristics or risk factors, which include: Delayed Enrollment (older than typical age), Part-Time Enrollment, Financial Independence, Dependents, Single Parents, etc.) Sources: U.S. Department of Education, National Center for Education Statistics, National Postsecondary Student Aid Study (NPSAS:12) and Beginning Postsecondary Students Longitudinal Study; Second Follow-up (BPS:04/09); Diploma/degree include higher education certificates, associate’s, bachelor’s, master’s, doctorate; Source: Educational Testing Service Proficiency Profile scores,

9 Fail Zone Pass 12% 8% The average student borrower in all sectors has debt to income ratios well in excess of 8%. 1)Source: US Department of Education, National Center for Educational Statistics 2008/2009 Baccalaureate and Beyond Longitudinal Study; Average monthly loan payment as a percentage of monthly income among first-time bachelor's degree recipients who borrowed for their undergraduate education, and were in repayment 1 year after graduation. AllPublic 4-yrPrivate, nonprofit 4-yr For-profit 4-year

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