{"id":"W2118139835","doi":"10.5539/ies.v3n1p45","title":"Advantages and Disadvantages of Student Loans Repayment Patterns","year":2010,"lang":"en","type":"article","venue":"International Education Studies","topic":"Global Educational Reforms and Inequalities","field":"Social Sciences","cited_by":8,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Loan; Student loan; Participation loan; Business; Actuarial science; Non-conforming loan; Soft loan; Non-performing loan; Economics; Finance","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003135845,0.0001631397,0.0002893763,0.002325288,0.000603136,0.001189692,0.0006271842,0.0004074203,0.006287488],"category_scores_gemma":[0.01330555,0.0001958328,0.0004613026,0.001774795,0.0006281584,0.001360192,0.001219954,0.0005356608,0.0008697946],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004516586,"about_ca_system_score_gemma":0.0004152307,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00271164,"about_ca_topic_score_gemma":0.00358366,"domain_scores_codex":[0.9961562,0.00176826,0.0004043021,0.0004496716,0.0008251169,0.0003965103],"domain_scores_gemma":[0.9898488,0.003398049,0.002617422,0.0015917,0.001616893,0.0009270693],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0006034604,0.0001407537,0.9048909,0.00006041938,0.00009591316,0.0001794825,0.002399792,0.0004708184,0.000996065,0.009304294,0.001174603,0.07968353],"study_design_scores_gemma":[0.00002519005,0.0001609558,0.9723831,0.00004485261,0.00007070156,0.0006413597,0.008921432,0.003154634,0.001259706,0.00925858,0.004042971,0.00003647653],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9901406,0.000259095,0.00160622,0.0008887423,0.00001443854,0.00001879904,0.0005337756,0.00002851278,0.006509935],"genre_scores_gemma":[0.9981748,0.00009757141,0.0005911487,0.00002426828,0.00001481913,0.000009168604,0.0001681017,0.00001115106,0.0009088132],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.006287488,"threshold_uncertainty_score":0.0210337,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04620589134441998,"score_gpt":0.4816562635600246,"score_spread":0.4354503722156046,"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."}}