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In summary, there is support for the Advocate Unit’s positive effect on the default behavior of student borrowers. These findings indicate that through proactive measures, student default rates may be reduced. Given the potential negative impact from defaults, it appears worthwhile to pursue methods that can effectively assist in reducing the default behavior of student borrowers. Because Advocate Unit’s effect on the default behavior of the student borrowers appears to diminish over time, it would be interesting to assess the effects that follow-up interactions, or refreshers, might have on default behavior. Finally, it would seem prudent for additional studies to be conducted to directly assess the effect of various default prevention programs on student borrower behavior. By systematically examining the outcomes of various programs, we can help to identify effective default reduction methods, reduce default rates, and enhance the service we provide to students.