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Figure 1: Cumulative Delinquency Curves by Model Specification

Cumulative Percent

Percentile	Full Model	Student Loan Balance	Student Loan Balances, Degree Attained, and School Sector	Student Loan Balances, Degree Attained, School Sector, and Credit Score	Student Loan Balances and Credit Score	Perfect Prediction
1.0	2.8	1.0	2.3	3.1	2.7	3.9
2.0	5.7	2.2	4.5	6.1	5.7	7.8
3.0	9.1	3.7	6.5	9.1	8.5	11.7
4.0	11.8	5.0	8.7	11.7	11.5	15.6
5.0	15.1	6.7	10.8	15.0	14.4	19.5
6.0	18.3	8.5	12.8	17.9	17.3	23.4
7.0	21.2	10.2	15.2	20.5	20.1	27.3
8.0	24.0	11.5	17.3	23.4	22.7	31.2
9.0	27.1	12.8	19.0	26.1	25.1	35.1
10.0	29.7	14.4	21.1	28.6	27.9	39.0
11.0	32.5	15.4	22.9	31.0	30.1	42.9
12.0	34.6	16.8	24.8	33.3	32.3	46.8
13.0	37.3	18.3	27.1	35.6	34.3	50.6
14.0	40.0	20.2	29.1	37.8	36.1	54.5
15.0	42.1	21.7	31.2	40.4	38.1	58.4
16.0	44.1	23.0	32.7	42.5	40.2	62.3
17.0	46.4	24.4	34.5	44.1	42.1	66.2
18.0	48.3	25.9	35.6	45.9	43.7	70.2
19.0	50.3	27.3	37.3	47.9	45.6	74.0
20.0	52.1	28.7	39.1	50.0	47.6	77.9
21.0	54.3	30.6	40.5	51.8	49.2	81.8
22.0	56.4	31.7	41.9	53.3	50.9	85.7
23.0	58.1	33.6	43.6	55.5	52.6	89.6
24.0	59.6	34.6	45.2	57.2	54.5	93.5
25.0	61.5	35.5	46.7	58.8	56.4	97.4
26.0	63.0	36.5	48.0	60.2	57.9	100.0
27.0	64.6	37.5	49.6	61.6	59.4	100.0
28.0	66.1	38.5	51.0	63.0	60.4	100.0
29.0	67.4	39.6	52.7	64.9	61.7	100.0
30.0	68.8	40.6	54.2	66.6	63.1	100.0
31.0	70.2	41.9	55.8	68.3	64.4	100.0
32.0	71.5	42.8	58.1	69.6	65.7	100.0
33.0	73.0	44.1	59.6	70.9	66.8	100.0
34.0	74.2	45.6	61.2	71.9	67.7	100.0
35.0	75.1	47.0	62.9	72.9	68.6	100.0
36.0	75.9	48.2	64.4	74.2	69.6	100.0
37.0	76.8	49.4	65.6	75.6	70.7	100.0
38.0	77.5	50.7	66.9	76.5	72.0	100.0
39.0	78.3	51.8	68.1	77.3	73.0	100.0
40.0	79.3	52.8	69.7	78.3	74.5	100.0
41.0	80.1	54.0	71.2	79.1	75.4	100.0
42.0	81.3	54.8	72.2	80.0	76.6	100.0
43.0	81.9	55.7	73.1	80.7	77.5	100.0
44.0	82.6	56.3	74.4	81.7	78.6	100.0
45.0	83.7	57.2	75.3	82.5	79.6	100.0
46.0	84.4	57.9	76.3	83.3	80.6	100.0
47.0	85.2	58.7	77.0	84.1	81.5	100.0
48.0	86.0	59.6	77.8	84.9	82.3	100.0
49.0	86.9	60.7	78.7	85.5	82.9	100.0
50.0	87.8	61.3	79.5	86.1	83.6	100.0
51.0	88.4	62.2	79.9	86.7	84.4	100.0
52.0	88.9	63.0	80.2	87.2	84.9	100.0
53.0	89.5	63.7	80.7	87.7	85.6	100.0
54.0	89.9	64.7	81.1	88.2	86.3	100.0
55.0	90.4	65.8	81.3	88.9	86.9	100.0
56.0	90.7	66.9	82.1	89.3	87.5	100.0
57.0	91.3	67.7	82.4	89.8	88.0	100.0
58.0	91.9	68.5	82.8	90.4	88.4	100.0
59.0	92.4	69.4	83.1	90.7	89.1	100.0
60.0	92.9	70.3	83.8	91.1	89.7	100.0
61.0	93.5	71.3	84.8	91.6	90.2	100.0
62.0	94.0	72.4	85.9	92.1	90.7	100.0
63.0	94.3	73.0	86.3	92.4	91.1	100.0
64.0	94.8	73.7	86.8	93.1	91.6	100.0
65.0	95.2	74.2	87.3	93.7	92.2	100.0
66.0	95.3	74.9	87.3	94.2	92.5	100.0
67.0	95.8	75.7	87.7	94.5	92.9	100.0
68.0	96.0	76.3	88.2	94.8	93.2	100.0
69.0	96.0	77.1	88.4	95.0	93.7	100.0
70.0	96.1	77.6	88.7	95.5	93.8	100.0
71.0	96.3	78.4	88.9	95.8	93.9	100.0
72.0	96.4	79.0	89.1	96.0	94.5	100.0
73.0	96.5	79.7	89.7	96.2	94.9	100.0
74.0	97.0	80.7	89.8	96.4	95.0	100.0
75.0	97.4	81.3	90.2	96.6	95.3	100.0
76.0	97.5	82.0	90.5	96.6	95.4	100.0
77.0	97.7	82.8	90.6	96.8	95.5	100.0
78.0	97.9	83.6	91.1	96.9	95.6	100.0
79.0	98.2	84.6	91.5	97.2	96.0	100.0
80.0	98.3	85.4	92.1	97.4	96.2	100.0
81.0	98.6	86.3	92.8	97.5	96.5	100.0
82.0	98.7	87.2	93.4	97.6	96.9	100.0
83.0	98.7	88.2	93.8	97.8	97.3	100.0
84.0	98.9	89.1	94.2	98.0	97.5	100.0
85.0	99.0	90.2	94.6	98.3	97.7	100.0
86.0	99.1	91.0	95.0	98.4	98.0	100.0
87.0	99.3	91.5	95.7	98.6	98.2	100.0
88.0	99.4	92.4	96.1	99.0	98.4	100.0
89.0	99.5	93.1	96.5	99.1	98.5	100.0
90.0	99.5	93.6	97.0	99.3	98.7	100.0
91.0	99.7	94.8	97.5	99.4	98.9	100.0
92.0	99.7	95.5	97.9	99.4	99.0	100.0
93.0	99.7	96.3	98.2	99.4	99.2	100.0
94.0	99.7	97.1	98.6	99.6	99.2	100.0
95.0	99.7	97.8	98.8	99.6	99.4	100.0
96.0	99.8	98.2	99.2	99.7	99.4	100.0
97.0	99.8	98.7	99.4	99.8	99.6	100.0
98.0	99.9	99.1	99.6	100.0	99.8	100.0
99.0	100.0	99.6	99.9	100.0	99.8	100.0
100.0	100.0	100.0	100.0	100.0	100.0	100.0

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