; (2) factors influencing such growth and changes; (3) the extent to which students and parents of students rely on private education loans to finance postsecondary education and the private education loan indebtedness of borrowers; (4) the characteristics of private education loan borrowers, including— (A) the types of institutions of higher education that they attend; (B) socioeconomic characteristics (including income and education levels, racial characteristics, geographical background, age, and gender); (C) what other forms of financing borrowers use to pay for education; (D) whether they exhaust their Federal loan options before taking out a private education loan; (E) whether such borrowers are dependent or independent students (as determined under part F of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087kk et seq. )) or parents of such students; (F) whether such borrowers are students enrolled in a program leading to a certificate, license, or credential other than a degree, an associate degree, a baccalaureate degree, or a graduate or professional degree; and (G) if practicable, employment and repayment behaviors; (5) the characteristics of private educational lenders, including whether such creditors are for-profit, non-profit, or institutions of higher education; (6) the underwriting criteria used by private educational lenders, including the use of cohort default rate (as such term is defined in section 435(m) of the Higher Education Act of 1965 ( 20 U.S.C. 1085(m) ); (7) the terms, conditions, and pricing of private education loans; (8) the consumer protections available to private education loan borrowers, including the effectiveness of existing disclosures and requirements and borrowers’ awareness and understanding about terms and conditions of various financial products