In an era of increasing college costs, a clear and present danger to institutional and student success is the increasing reliance on student loans to finance postsecondary education, and the concomitant institutional management of student borrowing. [...] The goal of this training model is to help maximize institutional and student success by: •. supporting academic and financial success among students through early and sustained interventions and education; •. engaging the whole campus community in support of wise borrowing among students; and •. helping institutions develop systemic default aversion efforts within strategic. [...] Early and regular exchanges between the student and the institution are crucial to decreasing decreasing student student indebtedness and fostering effective default aversion. [...] The default aversion goal of phase two is to provide early student loan education to students, parents, and high school counselors as a part of the recruiting process, attracting students who will succeed on campus and equipping them to finance their success. [...] The place of default aversion in strategic enrollment management planning: Full cost of attending college: Financial aid— institutional philosophy and practices: Benefits of student loans and smart borrowing to the student and the institution: 14 Phase 3 Phase 3: Retaining students—engage the cross-campus community In strategic enrollment management the term retention refers to the process of stud