Abstract: Techniques are described for predicting the likelihood that a loan default will occur. The technique can be performed pro-actively, in order to predict situations in which a loan default is likely even before any payment has been missed on the loan. Upon detecting a high likelihood of default, the loan default prediction system may automatically execute remedial actions. For example, the loan default prediction system may automatically generate an offer, to the borrower in question, to allow the borrower to skip the next loan payment. The technique may also be used to generate accurate financial health scores that take into account trends in a borrower's activities. The actions that are automatically performed based on the financial health scores may include both remedial actions and reward actions. The outcomes of the actions may be fed back into the system to further refine the model used thereby.