During that time, federal student loan delinquencies rose 27%, while private loan delinquency rates actually dropped 2%.

FORBES: More Than Half Of Student Loans Are Now Delinquent

The current student loan delinquency rate (defined as at least 90 days late on payments) is 8.92%.

FORBES: Dude, Where's My Student Loan Bailout?

While the rate of negative equity is comparable between the two sets of borrowers, the delinquency rate and loan-to-value ratios are substantially lower for borrowers who purchased homes in 2010 (see Figure 2).

FORBES: Getting to Know Underwater Homeowners

The substantial drop in delinquency rate and loan-to-value ratio for borrowers who purchased homes in the years after 2007 is likely a product of the tightened lending standards implemented in the post-bubble housing market.

FORBES: Getting to Know Underwater Homeowners

Data-driven prediction markets are turning to things like employee behavior, loan default rates, and credit card delinquency.

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But whereas investors agree that in most cases everyone is better off if a loan is recast rather than falling into delinquency, they argue that standardisation should go no further than counselling techniques and databases.

ECONOMIST: Mortgage restructuring

With delinquency rates on the rise, student loan debt has become one of the biggest financial concerns in the country.

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We have also encouraged lenders and servicers to identify and contact borrowers who, with counseling and possible loan modifications, may be able to avoid entering delinquency or foreclosure.

NPR: Transcript: Bernanke on Mortgages, Foreclosures