{"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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009419149,0.0003003127,0.0002992649,0.001177178,0.0003811982,0.001145783,0.0004390374,0.0005078413,0.004101458],"category_scores_gemma":[0.01182851,0.0001736612,0.0004689606,0.0008964058,0.0003092306,0.0006486851,0.0009335086,0.001313368,0.0004678546],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0004163498,"about_ca_system_score_gemma":0.0003120971,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.004011608,"about_ca_topic_score_gemma":0.005351828,"domain_scores_codex":[0.9993037,0.000178691,0.0001219655,0.0000809009,0.0001795023,0.0001352217],"domain_scores_gemma":[0.9892343,0.001896024,0.005818572,0.0004425792,0.0005586533,0.002049924],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00003878094,0.000112955,0.9978526,0.000003913275,0.00002036173,0.00003243819,0.0001016392,0.00007478709,0.0000371611,0.00003283145,0.00005936685,0.00163326],"study_design_scores_gemma":[0.000002681571,0.00006260916,0.9990615,0.000005742838,0.000006143681,0.00006789688,0.0002599797,0.0003152243,0.0000348535,0.00006003066,0.0001191183,0.000004158569],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9991586,0.00005636719,0.00005033988,0.00006279117,0.000003038223,0.000007360797,0.0001089573,0.000003381389,0.0005490432],"genre_scores_gemma":[0.9994734,0.00003667541,0.00004090579,0.000008359528,0.000005280601,0.000005012558,0.0001861858,0.000001047076,0.000243163],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.004101458,"threshold_uncertainty_score":0.01372075,"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."}}