A couple of things we are doing at our campus to impact default rates. We are making sure that the new students meet with the finance processors, and the student loan specialists at the point of enrollment. The student may not remember much of the day, however we make it a point to give the student our business cards, as well as a welcome packet which discusses loan responsiblity. Within the first 45 days of the student starting we make sure our student loan specialist are in the classroom conducting a Financial literacy workshop. This workshop talks about budgeting, as well as student loan obligations. We make this as interactive as we can by showing a ppoint presentation, and awarding goodies to students who answer questions, or offer comments. After that we send the finance folks into the classroom on a regular schedule to see how things are going, and to remind students of their obligations.