UCMS Scorecard Matrix: Quality of School Vs. Year In School of Applicant - A simplified example   Freshman Sophomore Junior Senior Barrons rank 1 #2 #1 #1 #1 Barrons rank 2 #2 #2 #1 #1 Barrons rank 3 #3 #2 #1 #1 Barrons rank 4 #3 #3 #2 #1 Barrons rank 5 #3 #3 #2 #2 Notes: Scorecard "#1" is most lenient, "#3" is most stringent School are tiered with "Tier 1" being the highest quality. Scorecard selections within matrix should be tweaked based on appetite for risk. This scorecard matrix shows how UCMS has developed a fundamentally different approch to credit scoring. Our experience and resources can be used to minimize risk yet allow for aggressive marketing programs. Main