In 2014, of the 37 million borrowers who have outstanding student loan balances, 14% have at least one past due student loan account. A researcher with the United States Department of Education believes this proportion has increased since then.

Decide whether the problem requires a confidence interval or hypothesis test, and determine the variable of interest. For any problem requiring a confidence interval, state whether the confidence interval will be for a population proportion or population mean. For any problem requiring a hypothesis test, write the null and alternative hypothesis.