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’d like to know what percentage of chronically delinquent accounts are approved for borrowers who eventually refuse to pay when they really can. That percentage should include student loan accounts where the borrower fits the same general profile.

I have no clue, but I will say this. I spent a couple of summers in the collections department of a bank over 45 years ago. Some of the movers and shakers in town were deadbeats in sense they didn't pay their bills on time. Pressed enough they would cough up the money. My job was to call them and remind them they were past due. When that didn't work, it got kicked up to the loan boss and beyond.