Gainful Employment Negotiated Rulemaking Informational Data Analysis

2013 Draft Regulation & 2011 Final Rule (without repayment rate)

2013 Draft Regulation

2011 Final Rule 

(without repayment 

rate)

*Based on Title IV aided students who completed a GE program between October 1, 2007 through 

September 30, 2009 and whose mean and median earnings by program were retrieved from the 

SSA for the 2011 calendar year

2013 Draft Regulation** 

metrics: annual DTE, discretionary DTE

min program size: 10

amortization: 10yr for all credential levels

2011 Final Rule 

metrics: annual DTE, discretionary DTE 

(no repayment rate)

min program size: 30

amortization: 10/15/20yrs depending on 

credential

Total 

Programs

11,359 

(921,917 borrowers)

5,632 

(823,012 borrowers)

Passing aDTE ≤ 8% OR dDTE ≤ 20%

aDTE ≤ 12% OR dDTE ≤ 30%

OR repayment rate > 35% 

8,975 

(79% of programs)

(683,445 borrowers)

5,088 

(90% of programs)

(749,024 borrowers)

Zone

• Not passing &

• 8% < aDTE ≤ 12% OR 

20% < dDTE ≤ 30%

----------

1,410 

(12% of programs)

(150,834 borrowers)

----------

Failing aDTE>12% & dDTE>30%

aDTE>12% & dDTE>30%

AND repayment rate < 35% 

974

(9% of programs)

(87,638 borrowers)

544

(10% of programs)

(73,808 borrowers)

*Borrower counts in chart include only the students used in the calculations and not total students in programs. 

**Median debt for DTE calculations is not capped at tuition and fees under the draft regulatory language; however, the analysis above is based on calculations that include such a 

cap. The tuition cap applied to about 15-17% of records used in the calculation of median debt.

Draft for discussion purposes

8.29.13

1 
*Based on Title IV aided students who completed a GE program between October 1, 2007 through September 30, 2009 and whose 

mean and median earnings by program were retrieved from the SSA for the 2011 calendar year

2013 Draft Regulation** 

metrics: annual DTE, discretionary DTE

min program size: 10

amortization: 10yr for all credential levels

Variation 1** 

metrics: annual DTE, 

discretionary DTE

min program size: 30

amortization: 10yr for all 

credential levels

Variation 2** 

metrics: annual DTE, 

discretionary DTE

min program size: 10

amortization: 10/15/20yrs 

depending on credential

Variation 3** 

metrics: annual DTE, 

discretionary DTE

min program size: 30

amortization: 10/15/20yrs 

depending on credential

Total 

Programs

11,359 

(921,917 borrowers)

5,632 

(823,012 borrowers)

11,359 

(921,917 borrowers)

5,632 

(823,012 borrowers)

Passing aDTE ≤ 8% OR dDTE ≤ 20%

8,975 

(79% of programs)

(683,445 borrowers)

4,117

(73% of programs)

(600,210 borrowers)

9,051 

(80% of programs)

(691,974 borrowers)

4,158

(73% of programs)

(608,088 borrowers)

Zone

• Not passing &

• 8% < aDTE ≤ 12% OR 

20% < dDTE ≤ 30%

1,410 

(12% of programs)

(150,834 borrowers)

925

(17% of programs)

(141,863 borrowers)

1,406 

(12% of programs)

(149,894 borrowers)

930

(17% of programs)

(141,116 borrowers)

Failing aDTE>12% & dDTE>30% 

974

(9% of programs)

(87,638 borrowers)

590

(10% of programs)

(80,939 borrowers)

902

(8% of programs)

(80,049 borrowers)

544

(10% of programs)

(73,808 borrowers)

Gainful Employment Negotiated Rulemaking Informational Data Analysis

Variations of 2013 Draft Regulation

*Borrower counts in chart include only the students used in the calculations and not total students in programs. 

**Median debt for DTE calculations is not capped at tuition and fees under the draft regulatory language; however, the analysis above is based on calculations that include such a 

cap. The tuition cap applied to about 15-17% of records used in the calculation of median debt.

Draft for discussion purposes

8.29.13

2