{"id":"W2739952466","doi":"10.55504/0884-9153.1576","title":"College Student Debt and Anticipated Repayment Difficulty","year":2017,"lang":"en","type":"article","venue":"Journal of Student Financial Aid","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":13,"is_retracted":false,"has_abstract":true,"ca_institutions":"York University","funders":"","keywords":"Overconfidence effect; Explanatory power; Debt; Graduation (instrument); Socialization; Actuarial science; Financial literacy; Empirical evidence; Empirical research; Finance; Economics; Psychology; Social psychology","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.0009144616,0.0003088338,0.0006953704,0.0003296201,0.0009885889,0.0006980408,0.0008286124,0.0000991778,0.0001241315],"category_scores_gemma":[0.0003984357,0.0002458352,0.0002729532,0.0002295658,0.0001313958,0.0014018,0.0006795278,0.0002699168,0.0000538655],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00009392903,"about_ca_system_score_gemma":0.00005933752,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001797413,"about_ca_topic_score_gemma":0.0002566272,"domain_scores_codex":[0.9971904,0.00002006971,0.001009311,0.000320148,0.001067038,0.000393045],"domain_scores_gemma":[0.9968046,0.00003012632,0.001936327,0.0004429442,0.0007370875,0.00004894157],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.000172832,0.0005453815,0.9849559,0.0000528527,0.00005416649,0.0003495151,0.0002009467,0.00001261323,0.0005061535,0.005409768,0.006838436,0.0009014193],"study_design_scores_gemma":[0.001980625,0.000107185,0.9692759,0.0002130315,0.0003407999,0.00001153035,0.0001483964,0.00007470419,0.00006071373,0.000467602,0.0270339,0.0002856174],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9960394,0.0002606151,0.00001352896,0.0007085098,0.00113,0.0002815168,0.000006008441,0.00002194834,0.001538494],"genre_scores_gemma":[0.9965474,0.0001592946,0.0001648791,0.0006167499,0.002003033,0.000006428607,0.000004553221,0.00002495649,0.0004727051],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.02019546,"threshold_uncertainty_score":0.9999994,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0219949071664517,"score_gpt":0.287858826252148,"score_spread":0.2658639190856963,"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."}}