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

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8. 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, 2011-12 National Postsecondary Student Aid Study (NPSAS:12) and 2003-04 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, 2008-2013.

9. 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

10. 10 1 http://utsystem.edu/seekut/homepage.htm.

11. 11 Source: http://www.edvisors.com/media/files/studentaidpolicy/20140428-stricter-gainful-employment.pdf.

12. 12