{"id":"W1541599229","doi":"10.3386/w19716","title":"The Importance of Financial Resources for Student Loan Repayment","year":2013,"lang":"en","type":"report","venue":"National Bureau of Economic Research","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":9,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University","funders":"Social Sciences and Humanities Research Council of Canada; Human Resources and Skills Development Canada","keywords":"Loan; Student loan; Business; Finance; Financial system","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.008637365,0.0002618196,0.0006492639,0.0008105452,0.0004159861,0.0002510825,0.001036298,0.0002373822,0.0004473989],"category_scores_gemma":[0.003472003,0.0002069801,0.0004331997,0.0003700712,0.0003233544,0.0003896317,0.0004988099,0.0003538612,0.0001110917],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0007696942,"about_ca_system_score_gemma":0.001282306,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.002873238,"about_ca_topic_score_gemma":0.001834027,"domain_scores_codex":[0.9949959,0.00004097751,0.001502836,0.0005818407,0.002407017,0.0004714367],"domain_scores_gemma":[0.9911392,0.0009018598,0.001597769,0.0005491503,0.005793368,0.00001863417],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"not_applicable","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001778229,0.0001724944,0.1622087,0.0007239191,0.0001446279,0.000001759021,0.00004843351,0.0001218929,0.00006213575,0.331432,0.503455,0.001451215],"study_design_scores_gemma":[0.0006384221,0.00007113979,0.09562029,0.0002798769,0.0001081812,9.436135e-7,0.00008962967,0.0009564543,0.00006841865,0.1564167,0.7453829,0.0003669767],"study_design_candidate":"not_applicable","study_design_consensus":"not_applicable","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.5950872,0.003304682,0.000002564808,0.001744628,0.001734586,0.004084332,0.0001432691,0.00003916629,0.3938595],"genre_scores_gemma":[0.9597437,0.001125313,0.0001901387,0.0001627336,0.007956519,0.0008426725,0.0008428548,0.0001023859,0.02903371],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3648258,"threshold_uncertainty_score":0.8440403,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1828262644059512,"score_gpt":0.455131396033052,"score_spread":0.2723051316271008,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}