{"id":"W3009980400","doi":"","title":"Just Released: Student Loan Delinquency Rate Defies Overall Downward Trend in Household Debt and Credit Report for Fourth Quarter 2014","year":2015,"lang":"en","type":"article","venue":"Liberty Street Economics","topic":"Housing Market and Economics","field":"Economics, Econometrics and Finance","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Quarter (Canadian coin); Debt; Household debt; Loan; Equity (law); Panel data; Home equity; Business; Economics; Consumer debt; Monetary economics; Finance; Political science; Econometrics; Geography","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":["metaepi_narrow"],"consensus_categories":[],"category_scores_codex":[0.001303799,0.0004287286,0.0009369945,0.0003788446,0.0001179508,0.0003137966,0.0003537062,0.0002916016,0.0000479206],"category_scores_gemma":[0.0001355797,0.0005181918,0.0001996412,0.00008068165,0.0001068869,0.0007387105,0.0001364583,0.0002352496,0.00007031476],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0003885225,"about_ca_system_score_gemma":0.00009550713,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0008509581,"about_ca_topic_score_gemma":0.00917283,"domain_scores_codex":[0.9966604,0.0000303808,0.001602303,0.0009905999,0.00002877969,0.0006875566],"domain_scores_gemma":[0.9980004,0.0001479747,0.0007423909,0.0007221128,0.00003378791,0.0003533066],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0004747661,0.0004484521,0.8932759,0.0001265297,0.0002342569,0.00007729085,0.002604628,0.0083002,0.000003376804,0.04175282,0.04848592,0.004215911],"study_design_scores_gemma":[0.01706363,0.00116725,0.1429584,0.0001037577,0.0001528495,0.0001708412,0.003402121,0.09947264,0.00005634299,0.1655581,0.565627,0.004267077],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9779463,0.0005529207,0.001239482,0.001031692,0.00128906,0.0005305113,0.0004091497,0.00008444217,0.01691644],"genre_scores_gemma":[0.9916553,0.002014081,0.003641734,0.0006909513,0.0005890551,0.0001268637,0.0003495344,0.00012602,0.0008063863],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.7503175,"threshold_uncertainty_score":0.999727,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.05295002102758595,"score_gpt":0.2410937068817238,"score_spread":0.1881436858541378,"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."}}