{"id":"W3135603977","doi":"","title":"Borrower Experiences on Income-Driven Repayment","year":2019,"lang":"en","type":"article","venue":"SSRN Electronic Journal","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":4,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Forbearance; Loan; Payment; Quarter (Canadian coin); Business; Point (geometry); Juvenile delinquency; Credit card; Finance; Economics; Actuarial science","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":["insufficient_payload"],"consensus_categories":["insufficient_payload"],"category_scores_codex":[0.001006581,0.0002304539,0.0002736835,0.0003729306,0.0002795751,0.0002743853,0.0004384264,0.00006523459,0.00139255],"category_scores_gemma":[0.00006971312,0.0001864401,0.0002139302,0.000523776,0.0000335583,0.0009678974,0.0001129933,0.0008041098,0.001859569],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000441109,"about_ca_system_score_gemma":0.0002585612,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0001633925,"about_ca_topic_score_gemma":0.00034496,"domain_scores_codex":[0.997035,0.00002079556,0.0004047506,0.0003428048,0.0006173704,0.001579286],"domain_scores_gemma":[0.9991148,0.00002325542,0.0003724059,0.0003099854,0.0001607201,0.00001887471],"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":[0.0002110348,0.0001824844,0.7465668,0.00002607557,0.00007641937,0.00001528434,0.0004220089,0.0001943286,0.0004162441,0.2475385,0.001377455,0.002973377],"study_design_scores_gemma":[0.008549894,0.001829834,0.2034585,0.0009747978,0.0007640996,0.0001818068,0.03473427,0.01409425,0.0007029309,0.2619431,0.4683985,0.00436799],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9901949,0.0002755556,0.00004008823,0.0003625718,0.0006559451,0.0001745963,2.426298e-7,0.00005815087,0.008237973],"genre_scores_gemma":[0.993872,0.0001525767,0.00002999667,0.0009220752,0.001102273,0.00001217144,0.000008330542,0.00002965378,0.003870916],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5431083,"threshold_uncertainty_score":0.9995203,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.005060943268646039,"score_gpt":0.210367671103532,"score_spread":0.205306727834886,"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."}}