... LOANS: ASSUMPTIONS UNDERLYING THE 2012 SUBSIDY ESTIMATES—Continued(In percentages, unless noted otherwise)Composition of SubsidyLoan CharacteristicsDefaults, net of recoveriesInterest ... LOANS: ASSUMPTIONS UNDERLYING THE 2013 SUBSIDY ESTIMATES—Continued(In percentages, unless noted otherwise)Composition of SubsidyLoan CharacteristicsDefaults, net of recoveriesInterest ... ASSUMPTIONS UNDERLYING THE 2013 SUBSIDY ESTIMATES—Continued(In percentages, unless noted otherwise)Composition of SubsidyLoan CharacteristicsDefaults, net of recoveriesInterest Fees...