How are projected charge-off rates for Express Loans calculated and do they differ from Standard Loans?

In order to project charge-off rates for each Loan Grade, we have utilized a combination of 3rd party data sets, credit bureau data and actual historical performance data. 

We expect that the accuracy of projecting charge-off rates for all loans, including Express Loans, will continue to improve as our data set expands. We will continue to update our loss projections as new and better information becomes available to us.