[Retric]

News stories are always looking for the extreme examples, someone with 10k in student debt and a stage 4 cancer is also never paying back their loans.

However, Delinquency in the article just means they missed one or more payments. That’s really easy to do even for people who eventually pay back their loans.

[dan-robertson]

Default in the article is defined a few different ways (and they also talk about delinquency and loans in forebearance) but roughly corresponds to a year or so of missed payments.

[Retric]

Default should generally be 270 days.