Credit Scoring and Loan Scoring: Tools for Improved Management of Federal Credit Programs

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By

Thomas H. Stanton

Fellow

Center for Advanced Governmental Studies Johns Hopkins University tstan77346@aol.com

The federal government currently administers loan and loan guarantee programs that amount to about $1 trillion of credit outstanding. Credit scoring and loan scoring offer the opportunity for federal credit agencies to devise scoring-based database management systems for a broad range of purposes. When applied to federal direct loans and guarantees, scoring may help some federal credit agencies to improve credit management as well as the implementation of public purposes related to their programs. Financial Management

Credit Scoring and Loan Scoring: Tools for Improved Management of Federal Credit Programs