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14 hbcus 1996 Freshmen Percent 2-year and 4-year 33 hbcus 4-year colleges 4-year hbcus Adjusted Gross Income analysis Average Adjusted Gross awarding Carnegie School Classifications cohort default rate colleges and universities Comparison of Student default management plan delinquent borrowers Department of Education enrolled exit counseling Fall 1996 Freshmen Federal Aid Recipients Federal Student Aid federal student loan guaranty agencies hbcu and 2-year hbcu freshmen hbcu students HBCUs and Non-HBCUs hbcus compared HBCUs With Low high Carnegie classifications High Default Rates high school grades high-default-rate hbcus Historically Black Colleges linked to lower loan counseling loan default rates Low-Default HBCUs lower default rate Marital Status Medium Medium-Default HBCUs number of earned participate in federal percent of hbcu Percent of Students potentially at risk preparation and socioeconomic repayment reported risk of losing statutory threshold student characteristics student loan default student loan programs students at hbcus university freshmen University of California