The solo student pilot reported that during the landing roll, while reaching for the flap levers, the airplane veered left, exited the runway to the left, struck a snowbank, and nosed over.

The airplane sustained substantial damage to the vertical stabilizer.

The student reported that there were no preaccident mechanical failures or malfunctions with the airplane that would have precluded normal operation.

The automated weather observation station located on the airport reported that, about 15 minutes after the accident, the wind was from 170° at 11 knots. The airplane landed on runway 31.