Roughly a million borrowers defaulted on their federal student loans late last year, with millions delinquent on their payments and sliding toward the same fate. That's according to federal data and ...

Abstract: Loan default prediction is a critical task for financial institutions, directly impacting their ability to manage risk and allocate credit properly. This paper introduces a unique, ...

This project builds a deep learning model to predict whether a loan issued by Lending Club will be Fully Paid or Charged Off. The dataset contains millions of loan records with borrower information, ...

Abstract: Financial Institutions are increasingly embedding intelligent decision-support systems to make their loan sanctioning operations not only faster but also more reliable. This paper ...

In 2025 the Department of Education announced it would resume involuntary collections, but has put off implementation. Wage garnishment and Treasury offset are measures the government could enact to ...

We are so close to the biggest game of the year, the Super Bowl. The NFL’s decision a few years ago to add a week between conference championship games and Super Sunday has allowed for a lot of ...