Default Management From TIVA to Delinquency. Lessons Learned and What You Need to Know
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- Lesley Caldwell
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1 Default Management From TIVA to Delinquency Lessons Learned and What You Need to Know
2 Introduction/Overview Third Party Players Roles/Responsibilities Data Analysis Action Plan and Checklist Managing the Results Questions Outline
3 Introduction/Overview Explore Default Management Options Review Current Services Provided and Available Utilize Experience/Perspectives of APUS and SDW Competitive Marketplace for High Volume Contracts
4 Explore Default Management Options Internal Department of Education TIVA Activity Third Party Servicers Default
5 Review Available Services Provided In School Entrance/Exit Grace Repayment 0 30; 31 60; Days Delinquent 91 to Default
6 American Public University System APUS Who; What; Where; When; Why AMU; APU; Hondros College of Nursing Accredited Title IV Eligible thru Masters West Virginia, Virginia and Ohio 2006 to Today Fraud and Abuse
7 Competitive Marketplace for HVC s High Volume Schools/Groups State/Sector/Association
8 Players Roles and Responsibilities Schools Internal Capabilities for In House Processing TIVA s Third Party Servicers Champion/Challengers Consultants Data/Portfolio Managers
9 Staffing School Internal Capabilities Student Communications and Servicer Contacts Budget Mailings Skip Tracing
10 TIVA s & NFP s What does this mean? Who are they? What can you expect? Are your students confused?
11 TIVA/NFP Contract 4 Calls by 180 Days Past Due (DPD) 9 Billing Statements by 270 DPD 1 /Letter sent at 15 DPD 4 Collection Letters Between 16 & 180 DPD Final Demand Letter at 241 DPD Notice of Default at 361 DPD
12
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14 Example 1 Based on Servicing Record Review Calls Letters Skip Example 2 Based on Servicing Record Review Calls Letters Skip Green Zone Orange Zone Yellow Zone Red Zone Delinquency: Activities: Strong Strong Weak Weak
15 Third Party Servicers Who are they? What is their relationship with TIVA s/nfp s? Why consider engaging their services? Sole Provider vs Champion/Challenger?
16 Consultants/Data Portfolio Managers Provide expertise you do not have Independent arbiter of multiple options Data analysis bucket analysis Potential Portfolio Balancers (C/C Scenario)
17 Default Prevention Strategy Your Default Rate Repayment & Cure Patterns by Buckets Cost vs. Benefits Default Challenge Considerations
18 YOUR DEFAULT RATE STEP 1 Get data from NSLDS for analytics and make decisions based on trends and future projections: Your Cohort Default Rate Compare the FY11, FY12, and FY13 CDR projections to determine the trend FY13, FY14, & FY15 projected CDR s can be calculated using the NSLDS School Portfolio Report
19 YOUR DEFAULT RATE Step 2 Where do you want the CDR to be? Your Cohort Default Rate What is the projected CDR rate goal the College has set for FY13 and FY14? Does the Administration agree? Based on future projections, is that rate achievable and what are the steps that need to be taken to achieve it?
20 YOUR DEFAULT RATE Step 3 What resources are available: Your Cohort Default Rate Staffing Budgeting Timelines Players Defines strategy
21 Default Prevention Strategy Repayment & Cure Patterns by Buckets Cost vs. Benefits (Delinquency Analysis) Default Challenge Considerations
22 Repayment & Cure Patterns by Buckets 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00% Delinquency % by Zones FY2013 FY2014 Green Zone Orange Zone Yellow Zone Red Zone Range: 1 90 Days Delinquent Range: Days Delinquent Range: Days Delinquent Range: 271+ Days Delinquent 52% overall for FY13 & FY14 25% overall for FY13 & FY14 14% overall for FY13 & FY14 9% overall for FY13 & FY14
23 Repayment & Cure Patterns by Buckets 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00% 63.35% Cure Rate % by Zones 23.25% 8.66% 4.74% Green Zone Orange Zone Yellow Zone Red Zone Range: 1 90 Days Delinquent Green Zone Orange Zone Yellow Zone Red Zone Range: Days Delinquent Range: Days Delinquent Range: 271+ Days Delinquent 63.35% overall cure rate FY13 & FY % overall cure rate FY13 & FY % overall cure rate FY13 & FY % overall cure rate FY13 & FY14
24 Repayment & Cure Patterns by Buckets 80.00% 60.00% 68.00% Cure Types % by Status 64.00% 74.00% % 20.00% 21.00% 8.00% 21.00% 18.00% 15.00% 11.00% 0.00% Repayment Cures % % % Forbearance Cures % % % Deferment Cures % % %
25 Default Prevention Strategy Cost vs. Benefits Default Challenge Considerations
26 DPS Cost vs. Benefits $7.00 $6.00 $5.00 $4.00 $3.00 $2.00 $1.00 $ Cost Benefits based on 500 delinquencies 180+ Delinquency Green Zone Orange Zone Yellow Zone Red Zone Default Prevention Plan Cost Selective Communications Only Selective w/communications and Full Service Full Service Only Range: Days Delinquent Letter/ Only Cost = 80% savings Range: Letter/ Full Service Cost = 42% savings Range: Full Service
27 $2, $2, $1, $1, $ Cost vs. Benefits based on 500 delinquencies 180+ Delinquency Default Prevention Plan Cost $ Green Zone Orange Zone Yellow Zone Red Zon Selective Communications Only Selective w/communications and Full Service Full Service Only Range: Days Delinquent Letter/ = 500 Cost = 80% savings Range: 1 90 Letter/ , Full Service Letter/ = 260 Full Service = 240 Cost = 42% savings Range: Full Service
28 Default Prevention Strategy Default Challenge Considerations
29 Default Prevention Strategy Default Challenge Considerations Preliminary Challenges Incorrect Data Challenge Participation Rate Challenge (Sanctioned Schools Only) Official Challenges Uncorrected / New Data Challenges Loan Servicing Appeal Economically Disadvantaged Appeal (Sanctioned Schools Only)
30 Default Prevention Strategy Managing the Results Monthly Evaluations Coordinating Activity w/tiva s/third Parties Adjusting the Distribution for C/C agreements Evaluate Cost/Benefits
31 Action Plan and Checklist Communicate Up, Down, Across Analyze Your Current Portfolio Identify Your Peers Review Internal Capabilities Determine a Plan of Attack Execute
32 Questions
33 Feedback Please tell us what you thought and suggestions for future versions of this topic to: for Gary Spoales for Ron Parker
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