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  • GRADUATE PROGRAM CREDIT RATINGSFOR MBA PROGRAMS(20142015)

  • ALSO BYThe following complimentary career primers and other educational guides are available at

    www.m7financial.com/resources:

    Graduate Program Credit Ratings

    MBA Programs

    Law Programs

    Personal Finance

    Student Loan (Reduction) Primer for MBA Students

    Student Loan (Reduction) Primer for Law Students

    Student Loan (Reduction) Primer for Undergraduate Students

    Career Primers by our partner, MBA Career Coaches

    Asset Management Career Primer

    Consulting Career Primer

    Investment Banking Career Primer

    Marketing Career Primer

    Private Equity Career Primer

    Venture Capital Career Primer

    Law

    Corporate Legal Career Primer

    Nonprofit Legal Career Primer

    Medicine

    Medical Residency Match Primer

    Visit mbaMission (www.mbamission.com/guides) for several series of guides designed to help you

    master the MBA application process and choose the right program.

    Visit jdMission (www.jdmission.com/guides) for guides created to assist you with your law school

    application.

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    and easily refinancing your federal and private student loans.

    Competitively Priced Student Loans (No Origination Fees!)Check out competitively priced student loans for law, MBA, medicine,

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    Exclusive Graduate Program Ratings and Much MoreDiscover complimentary program ratings, career primers, educational

    guides, and a career coaching session.

    You can access all this and more at www.m7financial.com.

  • TABLE OF CONTENTSIntroduction 6

    Summary 7

    MBA Programs Rated A+

    The Marriott School of Management at Brigham Young University 9

    MBA Programs Rated A

    The Eli Broad College of Business at Michigan State University 12

    Emory Universitys Goizueta Business School 14

    The Haas School of Business at the University of California, Berkeley 16

    Harvard Business School 18

    The Jesse H. Jones Graduate School of Business at Rice University 20

    The Kelley School of Business at Indiana University 22

    The Kellogg School of Management at Northwestern University 24

    The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill 26

    The Leonard N. Stern School of Business at New York University 28

    The Mendoza College of Business at the University of Notre Dame 30

    The Michael G. Foster School of Business at the University of Washington 32

    The Ohio State University Fisher College of Business 34

    The Olin Business School at Washington University in St. Louis 36

    Simon Business School at the University of Rochester 38

    The Stanford Graduate School of Business 40

    The Tepper School of Business at Carnegie Mellon University 42

    The University of Texas at Austin McCombs School of Business 44

    Vanderbilt Owen Graduate School of Management 46

    The Wisconsin School of Business 48

    The W.P. Carey School of Business at Arizona State University 50

    MBA Programs Rated A-

    The Carlson School of Management at the University of Minnesota 54

    The Carroll School of Management at Boston College 56

    The College of Business at the University of Illinois 58

    The Darden School of Business at the University of Virginia 60

    Duke Universitys Fuqua School of Business 62

    The Massachusetts Institute of Technology Sloan School of Management 64

    The Samuel Curtis Johnson Graduate School of Management at Cornell University 66

    Stephen M. Ross School of Business at the University of Michigan 68

    The University of California, Los Angeles, Anderson School of Management 70

    The Yale School of Management 72

  • MBA Programs Rated B

    The Thunderbird School of Global Management at Arizona State University 76

    Pepperdine Universitys Graziadio School of Business and Management 78

    MBA Programs Not Rated Due to Insufficient Information

    Boston University School of Management 82

    Columbia Business School 84

    The Katz Graduate School of Business at University of Pittsburgh 86

    The Robert Emmett McDonough School of Business at Georgetown University 88

    The Scheller College of Business at Georgia Institute of Technology 90

    The Tuck School of Business at Dartmouth College 92

    University of Chicago Booth School of Business 94

    USC Marshall School of Business 96

    Wharton School of the University of Pennsylvania 98

  • INTRODUCTIONM7 Financial is pleased to present a first-of-its-kind financial rating of the nations top MBA programs. We

    based our ratings on the ability of an average student at each school to pay typical program-related student

    loan obligations upon graduation.

    As you review the ratings, pay particular attention to the M7 Graduate Leverage Ratio, the M7 Graduate Debt

    Service Coverage Ratio, and the letter grade we have assigned to each program.

    We hope you will find these ratings to be an interesting and valuable resource. However, you should

    understand that the ratings are based on averages and, therefore, might not reflect your circumstances or

    experiences with a particular program. For example, you might receive a full scholarship to a program whose

    students typically carry a heavy debt burden. In that case, your program-related student debt load likely will

    be significantly different from that of the programs average student.

    About Us

    M7 Financial, together with mbaMission, jdMission, and MBA Career Coaches, is part of a family of companies

    dedicated to supporting the unique aspirations of students and professionals. For more than a decade, we

    have been advising and informing hundreds of thousands of such individuals around the world with our

    guides, seminars, and advisory services. Our firms collective goal is to ensure that our clients succeed in

    achieving their educational, professional, and personal ambitions.

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

  • SUMMARYMBA Program Rating Leverage Ratio Coverage Ratio Average Starting Salary + Bonus* Average Indebtedness* Estimated Annual Debt Service**

    MBA Programs Rated A+ The Marriott School of Management A + 0.25 28.05 $110,216 $27,942 $3,929.52

    MBA Programs Rated A The Wisconsin School of Business A 0.21 34.68 $109,293 $22,410 $3,151.56

    The Michael G. Foster School of Business at the University of Washington A 0.32 21.99 $118,759 $38,394 $5,399.40

    The Ohio State University Fisher College of Business A 0.39 18.37 $108,510 $41,991 $5,905.32

    Simon Business School at the University of Rochester A 0.41 17.24 $92,262 $38,058 $5,352.24

    The Haas School of Business at the University of California, Berkeley A 0.48 14.76 $134,078 $64,598 $9,084.60

    Emory Universitys Goizueta Business School A 0.52 13.80 $124,148 $63,979 $8,997.48

    The Mendoza College of Business at the University of Notre Dame A 0.53 13.32 $115,296 $61,547 $8,655.48

    Harvard Business School A 0.53 13.31 $138,346 $73,926 $10,396.44

    The W.P. Carey School of Business at Arizona State University A 0.54 13.22 $103,903 $55,887 $7,859.52

    The University of Texas at Austin McCombs School of Business A 0.57 12.51 $123,868 $70,395 $9,899.76

    The Jesse H. Jones Graduate School of Business at Rice University A 0.57 12.41 $115,693 $66,265 $9,318.96

    The Stanford Graduate School of Business A 0.58 12.24 $137,525 $79,869 $11,232.12

    The Eli Broad College of Business at Michigan State University A 0.58 12.22 $102,806 $59,801 $8,409.96

    The Olin Business School at Washington University in St. Louis A 0.62 11.55 $110,533 $68,047 $9,569.64

    The Tepper School of Business at Carnegie Mellon University A 0.66 10.77 $131,181 $86,595 $12,178.08

    Vanderbilt Owen Graduate School of Management A 0.67 10.56 $113,170 $76,205 $10,716.84

    The Kellogg School of Management at Northwestern University A 0.68 10.52 $135,838 $91,834 $12,914.88

    The Kelley School of Business at Indiana University A 0.68 10.51 $113,898 $77,038 $10,834.08

    The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill A 0.69 10.37 $123,526 $84,696 $11,910.96

    The Leonard N. Stern School of Business at New York University A 0.71 10.00 $131,975 $93,832 $13,195.80

    MBA Programs Rated A- The College of Business at the University of Illinois A- 0.56 12.81 $94,751 $52,612 $7,398.96

    The Carlson School of Management at the University of Minnesota A- 0.59 12.09 $117,972 $69,372 $9,756.00

    The University of California, Los Angeles, Anderson School of Management A- 0.63 11.34 $123,353 $77,326 $10,874.52

    The Carroll School of Management at Boston College A- 0.66 10.71 $96,915 $64,342 $9,048.60

    Stephen M. Ross School of Business at the University of Michigan A- 0.73 9.80 $134,883 $97,915 $13,770.00

    The Massachusetts Institute of Technology Sloan School of Management A- 0.73 9.70 $137,057 $100,512 $14,135.28

    The Samuel Curtis Johnson Graduate School of Management at Cornell University A- 0.76 9.41 $129,037 $97,500 $13,711.68

    The Darden School of Business at the University of Virginia A- 0.76 9.40 $136,102 $102,968 $14,480.64

    The Yale School of Management A- 0.76 9.30 $126,013 $96,341 $13,548.72

    Duke Universitys Fuqua School of Business A- 0.80 8.88 $135,101 $108,186 $15,214.44

    MBA Programs Rated B The Thunderbird School of Global Management at Arizona State University B 0.99 7.17 $84,915 $84,187 $11,839.44

    Pepperdine Universitys Graziadio School of Business and Management B 1.11 6.42 $80,592 $89,245 $12,550.80

    MBA Programs Not Rated Due to Insufficient Information Wharton School of the University of Pennsylvania NR N/A N/A $141,243 N/A N/A

    University of Chicago Booth School of Business NR N/A N/A $135,982 N/A N/A

    Columbia Business School NR N/A N/A $137,654 N/A N/A

    The Tuck School of Business NR N/A N/A $139,036 N/A N/A

    The Katz Graduate School of Business at University of Pittsburgh NR N/A N/A $84,179 N/A N/A

    The Robert Emmett McDonough School of Business at Georgetown University NR N/A N/A $118,620 N/A N/A

    The Scheller College of Business at Georgia Institute of Technology NR N/A N/A $108,055 N/A N/A

    USC Marshall School of Business NR N/A N/A $116,011 N/A N/A

    Boston University School of Management NR N/A N/A $103,291 N/A N/A

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

  • MBA PROGRAMS RATED

    A+

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #27 #27 665*

    95.40%*$110,216*

    $11,280/year(LDS member)

    $22,560/year(Non-LDS member)* $27,942* $3,929.52**

    0.25

    28.05

    The Marriott School of Management at Brigham Young University A+

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A+ credit rating reflects the following:

    Credit metrics that indicate a modest debt burden Strong employment prospects (95% employed three months after graduation) Sound reputation

    We would review the programs A+ credit rating should any significant trends be noted in

    the future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • MBA PROGRAMS RATED

    A

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #35 #33 655*

    93.30%*$102,806*

    $27,191/year

    $43,135/year(out of state) $59,801* $8,409.96**

    0.58

    12.22

    The Eli Broad College of Business at Michigan State University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.30% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #20 #18 681*

    96.20%*$124,148*

    $46,000/year

    $63,979* $8,997.48**

    0.52

    13.80

    Emory Universitys Goizueta Business School A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (96.2% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #7 #19 714*

    91.60%*$134,078*

    $51,412/year

    $53,959/year(out of state) $64,598* $9,084.60**

    0.48

    14.76

    The Haas School of Business at the University of California, Berkeley A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (91.60% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #1 #8 727*

    89.40%*$138,346*

    $56,175/year

    $73,926* $10,396.44**

    0.53

    13.31

    Harvard Business School A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Sound employment prospects (89.40% employed three months after graduation) Exceptional reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #33 #25 676*

    93.80%*$115,693*

    $48,500/year

    $66,265* $9,318.96**

    0.57

    12.41

    The Jesse H. Jones Graduate School of Business at Rice University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.80% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #21 #16 664*

    90.30%*$113,898*

    $24,984/year

    $44,460/year(out of state) $77,038* $10,834.08**

    0.68

    10.51

    The Kelley School of Business at Indiana University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (90.30% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #6 #7 713*

    91.00%*$135,838*

    $59,085/year

    $91,834* $12,914.88**

    0.68

    10.52

    The Kellogg School of Management at Northwestern University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (91.00% employed three months after graduation) Strong reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #19 #12 683*

    90.90%*$123,526*

    $31,510/year

    $50,942/year(out of state) $84,696* $11,910.96**

    0.69

    10.37

    The Kenan-Flagler Business School at the University of North Carolina, Chapel Hill A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.90% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #10 #22 721*

    93.20%*$131,975*

    $57,468/year

    $93,832* $13,195.80**

    0.71

    10.00

    The Leonard N. Stern School of Business at New York University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.20% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #23 #29 690*

    90.40%*$115,296*

    $45,130/year

    $61,547* $8,655.48**

    0.53

    13.32

    The Mendoza College of Business at the University of Notre Dame A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.40% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #25 #37 670*

    95.80%*$118,759*

    $27,861/year

    $41,037/year(out of state) $38,394* $5,399.40**

    0.32

    21.99

    The Michael G. Foster School of Business at the University of Washington A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (95.80% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #27 #34 666*

    92.00%*$108,510*

    $28,688/year

    $46,352/year(out of state) $41,991* $5,905.32**

    0.39

    18.37

    The Ohio State University Fisher College of Business A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (92.00% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #22 #26 696*

    96.00%*$110,533*

    $49,700/year

    $68,047* $9,569.64**

    0.62

    11.55

    The Olin Business School at Washington University in St. Louis A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (96.00% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #37 #38 680*

    90.90%*$92,262*

    $49,929/year

    $38,058* $5,352.24**

    0.41

    17.24

    Simon Business School at the University of Rochester A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (90.90% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #1 #4 732*

    89.70%*$137,525*

    $59,550/year

    $79,869* $11,232.12**

    0.58

    12.24

    The Stanford Graduate School of Business A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (89.70% employed three months after graduation) Exceptional reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #18 #10 691*

    90.50%*$131,181*

    $56,768/year

    $86,595* $12,178.08**

    0.66

    10.77

    The Tepper School of Business at Carnegie Mellon University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.50% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #15 #23 690*

    93.40%*$123,868*

    $33,298/year

    $48,832/year(out of state) $70,395* $9,899.76**

    0.57

    12.51

    The University of Texas at Austin McCombs School of Business A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (93.40% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #25 #30 688*

    92.70%*$113,170*

    $46,125/year

    $76,205* $10,716.84**

    0.67

    10.56

    Vanderbilt Owen Graduate School of Management A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Strong employment prospects (92.70% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #27 #44 676*

    88.70%*$109,293*

    $13,184/year

    $26,678/year(out of state) $22,410* $3,151.56**

    0.21

    34.68

    The Wisconsin School of Business A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a modest debt burden Employment prospects not commensurate with an A+ rating (88.70% employed three

    months after graduation)

    Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #27 #67 673*

    90.80%*$103,903*

    $23,300/year

    $39,150/year(out of state)

    $55,887* $7,859.52**

    0.54

    13.22

    The W.P. Carey School of Business at Arizona State University A

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Sound employment prospects (90.80% employed three months after graduation) Sound reputation

    We would review the programs A credit rating should any significant trends be noted in the

    future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

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  • MBA PROGRAMS RATED

    A-

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #33 #36 686*

    83.80%*$117,972*

    $34,230/year

    $45,000/year(out of state) $69,372* $9,756**

    0.59

    12.09

    The Carlson School of Management at the University of Minnesota A-

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A- credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (83.80% employed three

    months after graduation)

    Sound reputation

    We would review the programs A- credit rating should any significant trends be noted in

    the future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #45 #52 666*

    83.80%*$96,915*

    $42,000/year

    $64,342* $9,048.60**

    0.66

    10.71

    The Carroll School of Management at Boston College A-

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A- credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (83.80% employed three

    months after graduation)

    Sound reputation

    We would review the programs A- credit rating should any significant trends be noted in

    the future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #35 #45 661*

    84.70%*$94,751*

    $19,976/year

    $29,976/year(out of state) $52,612* $7,398.96**

    0.56

    12.81

    The College of Business at the University of Illinois A-

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to be very demanding relative to initial career prospects.

    *U.S. News & World Report, 2015 Best Business Schools Ranking.

    **M7 Financial estimates assuming a ten-year loan with even amortization and an annual interest rate of 7.21%, which is the rate for Federal Direct PLUS Loans as of 12.18.2014

    Ratings Rationale

    GRADUATE PROGRAM CREDIT RATING

    Inquiries

    Please direct all inquiries to:

    Cory Pollock

    [email protected]

    The programs A- credit rating reflects the following:

    Credit metrics that indicate a very manageable debt burden Employment prospects not commensurate with an A rating (84.70% employed three

    months after graduation)

    Sound reputation

    We would review the programs A- credit rating should any significant trends be noted in

    the future, such as material changes in enrollment, tuition, debt, reputation, or employment

    prospects.

  • Cost & Financing Statistics Employment Statistics

    Reputational Statistics

    U.S. News & World Report2015 National Program Ranking

    Bloomberg Businessweek 2014 National Program Ranking

    Average GMAT

    M7 GraduateLeverage Ratio =

    Average Program Related Student Indebtedness at Graduation

    (Average Starting Salary + Bonus)=

    M7 Graduate Debt Service

    Coverage Ratio=

    (Average Starting Salary + Bonus)

    Estimated Annual Principaland Interest Payments

    =

    Credit Metrics

    This ratio is an indicator of indebtedness and measures an

    individuals program related student debt at graduation

    relative to annual before-tax income. A higher ratio indicates

    a higher level of relative indebtedness.

    This ratio is an indicator of ability to meet annual debt

    obligations and measures annual before-tax income relative

    to required annual debt service payments. The lower the

    ratio, the more burdensome the debt service requirements.

    Percentage of

    Graduates Employed

    Three Months After

    Graduation:

    Average Starting

    Salary Plus Bonus For

    Graduates:

    Tuition: Average Program

    Related Student

    Indebtedness at

    Graduation:

    Estimated Annual

    Principal and Interest

    Payments on

    Indebtedness:

    M7 Financial Graduate Program Credit Rating

    GRADUATE PROGRAM CREDIT RATING

    #11 #20 706*

    88.60%*$136,102*

    $48,402/year

    $52,720/year(out of state) $102,968* $14,480.64**

    0.76

    9.40

    The Darden School of Business at the University of Virginia A-

  • Explanation of Ratings

    A+ Student loan obligations are typically expected to be modest relative to initial career prospects.

    A Student loan obligations are typically expected to be very manageable relative to initial career prospects.

    A- Student loan obligations are typically expected to be manageable relative to initial career prospects.

    B Student loan obligations are typically expected to be demanding relative to initial career prospects.

    C Student loan obligations are typically expected to