{"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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0003156278,0.00008395114,0.0001229956,0.0000887418,0.0001819019,0.00004380446,0.0001787157,0.0000309142,0.0002081431],"category_scores_gemma":[0.0006885878,0.00006917118,0.00003830774,0.00006377478,0.000281709,0.0002794566,0.00007109338,0.0000803455,0.000006707868],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00007872275,"about_ca_system_score_gemma":0.0002258835,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001092345,"about_ca_topic_score_gemma":0.001218509,"domain_scores_codex":[0.9990096,0.00002839932,0.0002542568,0.0001575465,0.000432907,0.0001172713],"domain_scores_gemma":[0.9984536,0.0001546997,0.0001461283,0.00009916582,0.001084239,0.00006221307],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000007896247,0.0003549595,0.552716,0.00002631497,0.0001373941,2.6299e-7,0.03446441,0.000001035221,0.0003111536,0.3880876,0.002519732,0.02137324],"study_design_scores_gemma":[0.0001210811,0.00002722849,0.4724673,0.00005453331,0.00001717825,0.000002281486,0.2361763,7.22542e-7,0.0002595172,0.01023308,0.2805149,0.0001258547],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9714727,0.0007106301,0.00001308913,0.007533173,0.005997937,0.0001114615,0.00003269979,0.00001916911,0.01410917],"genre_scores_gemma":[0.991128,0.002715547,0.0005657431,0.0002819483,0.0004235001,0.00005310401,0.00001421173,0.000004827576,0.004813069],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3778546,"threshold_uncertainty_score":0.2820719,"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."}}