News Why Hidden Delinquencies Are a Growing Threat to Your Institution – And What You Can Do About It If your Cohort Default Rate (CDR) looks low, you might assume your institution is in the clear. But the numbers tell a different story. Over 40% of borrowers are currently not making payments – and many have no plans to start. It’s imperative for you to monitor your delinquency rate to get a true understanding of the impact to your CDR. This hidden wave of delinquencies is more than just a statistic; it’s a financial risk that could significantly impact your school’s future. To truly understand the financial impact on your institution, you must monitor your delinquency rate – not just your CDR. What’s at Stake? A rising CDR comes with serious consequences: 15%+ CDR – Triggers multiple federal aid disbursements, creating administrative burdens. 30%+ CDR for three years – Puts Pell Grant and Direct Loan eligibility at risk. 40%+ CDR for even one year – Leads to immediate sanctions. With repayment challenges mounting, institutions must move beyond CDR as a lagging indicator and take proactive action to track and address borrower delinquencies early. Gain Visibility, Take Action Inceptia’s Delinquency Tracker provides real-time insights into borrower repayment trends, equipping you with the data needed to identify at-risk borrowers before defaults happen. By leveraging NSLDS School Portfolio data, our tracker helps you: Pinpoint your school’s true delinquency rate Spot trends and risk factors before they impact your CDR Take strategic action to prevent defaults and protect federal aid eligibility Don’t Wait for the Numbers to Catch Up The stakes are too high to rely on outdated data. Proactive delinquency tracking is the key to staying ahead of rising CDRs, safeguarding student success, and maintaining your institution’s financial health. See your delinquency rate today and measure the impact. Access the Delinquency Tracker now.