; (vii) have a high student default risk, as compared to the student default risk for all institutions participating in a program under this title; (viii) have a high proportion or high rate of complaints related to Federal student financial aid, educational practices and services, or recruiting and marketing practices, as reported in the complaint tracking system established under section 161; (ix) have extremely low graduation rates, as determined by the Secretary; (x) are in poor financial health according to financial responsibility standards described in section 498(c); (xi) are spending a large percentage of the institution's revenues on recruiting and marketing activities and executive compensation; (xii) in the case of proprietary institutions of higher education, have large profit margins and profit growth; (xiii) have been put on notice, warning, or probation by, or is subject to a show cause order from, a nationally recognized accrediting agency or association that is recognized by the Secretary pursuant to part H of title IV; (xiv) has been found to have compliance problems under this title, or is at significant risk of failing to comply with applicable Federal or State laws, by a relevant Federal agency or a relevant State entity or agency, including the Comptroller General of the United States; (xv) has had a large amount of funds returned under section 484B