The nonpayment rates by institution report is now available on the FSA Data Center and shows the percentage of Direct Loan borrowers who entered repayment since January 2020 and whose federal student loans were more than 90 days delinquent at the time of the data pull (mid-May 2025).
While the numerator is defined as the number of borrowers with eligible loans at the institution that were more than 90 days delinquent, the denominator is based on the total number of borrowers at that institution whose loans entered repayment since January 2020 and were in a repayment, deferment, forbearance, delinquent, or defaulted loan status as of mid-May 2025.
This information will further assist institutions understand the delinquency/default risks associated with their most-recent borrowers. ED looks forward to continued collaboration with its institutional partners to assist borrower with successful repayment of their loans.
Background
In early May 2025, the U.S. Department of Education (ED) issued an Electronic Announcement encouraging Title IV-participating institutions by June 30, 2025, to perform outreach to borrowers who ceased to be enrolled at their institutions since Jan. 1, 2020, to remind them of their federal student loan obligations and options for managing their debt. The outreach was intended to not only improve student loan repayment outcomes but also to ensure that institutions mitigate their risk of facing high cohort default rates next year that could potentially result in losing access to federal student aid. In the same announcement, ED committed to publishing nonpayment rates by institution to provide greater transparency regarding institutional success in counseling borrowers and helping them get into good standing on their loans.