I had more "in grace period" than usual the past month. Perhaps more people moving, leaving school, etc and changing banks as a result? I haven't looked up the numbers. Was 8 in grace a few days ago, now 2 caught up and it's down to 6. And my ANAR went from 9.5% to 9.9% at the same time. ANAR seems to be very sensitive to loans in grace -- I don't remember how much those are discounted by the adjustment, but it doesn't take much to affect the overall ANAR (the first A being Adjusted).