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Over all, more than 10 percent of loans in C.M.B.S. portfolios are now delinquent, according to Trepp calculations.
One cause was the continuing deterioration of loan performance as mortgage rates have risen: almost one in five subprime mortgages are now delinquent by more than 30 days or in foreclosure.
Nearly 26percentt of the loans backing the pool are now delinquent, in foreclosure or have resulted in a repossessed home; some of the securities backed by the loans have been downgraded.
Many homeowners are now delinquent because of these wrongfully-imposed fees.
The maps, which illustrate the share of each state's population with student debt and the percentage of each state's borrowers now delinquent on their payments, reveal an apparently complicated relationship between the two.
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For fees reaching $3,495, with most of the money collected upfront, they promised to negotiate with lenders to lower payments on the now-delinquent mortgages they and their counterparts had sprinkled liberally across Southern California.
Many of the loans the F.H.A. insured in 2007 and last year are now turning delinquent, agency officials acknowledge.
After the breakup, St. Aubyn, now a "delinquent and illiterate" schoolboy in London, was expected to interrupt his Provençal vacations with long visits to his father's house, whose only windows faced inward, into a courtyard choked with weeds.
Some companies, for instance, can now chase delinquent accounts receivable they formerly had to ignore: One airline carrier is capturing $75 million in previously lost receivables on top of the $50 million it saves each year by operating its accounts-receivable department in India.
Many borrowers in the pipeline for aid are now severely delinquent and therefore do not qualify.
A much bigger segment of those mortgages — about a quarter — are either in default or severely delinquent now.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com