{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001645343,0.0001965339,0.0003507683,0.001046639,0.002333554,0.003124531,0.001281531,0.0006857256,0.007961136],"category_scores_gemma":[0.01735386,0.0001558575,0.0002613901,0.001135079,0.001149825,0.002218591,0.00169819,0.001171974,0.0007231286],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.007825135,"about_ca_system_score_gemma":0.02049966,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.5050002,"about_ca_topic_score_gemma":0.7301299,"domain_scores_codex":[0.9983664,0.0004055517,0.00007022588,0.0001130276,0.0004205464,0.0006242202],"domain_scores_gemma":[0.9857605,0.003158809,0.004083021,0.0005860724,0.003097141,0.003314402],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001721895,0.0002975714,0.8618774,0.000217504,0.00008259885,0.000478058,0.002628251,0.002010961,0.0008593563,0.01329929,0.0142847,0.1037921],"study_design_scores_gemma":[0.00001253677,0.00007028227,0.9640204,0.0002883167,0.00007042907,0.0001966024,0.005592487,0.001573817,0.0005755887,0.002705542,0.02486175,0.00003225198],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.8894604,0.002884069,0.001525402,0.03095754,0.00007623528,0.0001961264,0.001977684,0.0001043597,0.07281823],"genre_scores_gemma":[0.9948231,0.0007934223,0.0007794192,0.0005227977,0.00003317144,0.0000142113,0.0003543946,0.000009600107,0.00266987],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5050002,"threshold_uncertainty_score":0.9958299,"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."}}