{"id":"W4311157060","doi":"10.1080/03075079.2022.2145463","title":"Who borrows, and how much? Student borrowing across post-secondary pathways in Ontario, Canada","year":2022,"lang":"en","type":"article","venue":"Studies in Higher Education","topic":"Canadian Policy and Governance","field":"Social Sciences","cited_by":6,"is_retracted":false,"has_abstract":true,"ca_institutions":"University of Guelph; York University; University of Toronto","funders":"","keywords":"Higher education; Linkage (software); Economics; Politics; Public economics; Sociology; Demographic economics; Political science; Economic growth","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":true,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0003864495,0.00008992566,0.0001507397,0.00004971496,0.0006653845,0.00004308595,0.0001630002,0.0000252369,0.0002168955],"category_scores_gemma":[0.00007391566,0.0001072691,0.00001586824,0.0002613442,0.0001310425,0.0001640603,0.0001317873,0.0002645682,3.526397e-7],"about_ca_system_candidate":true,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00428724,"about_ca_system_score_gemma":0.004586785,"about_ca_topic_candidate":true,"about_ca_topic_consensus":true,"about_ca_topic_score_codex":0.9981444,"about_ca_topic_score_gemma":0.9999568,"domain_scores_codex":[0.9988801,0.0001273623,0.000130065,0.000225145,0.000301007,0.0003362753],"domain_scores_gemma":[0.9996047,0.0000940169,0.00007307087,0.0001102173,0.000049176,0.00006880847],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"qualitative","study_design_gemma":"observational","study_design_scores_codex":[0.00001276197,0.00009280677,0.3931588,0.00002511094,0.00002502557,0.00002627872,0.4048953,0.00001149178,0.00001102749,0.02155128,0.1774982,0.002691948],"study_design_scores_gemma":[0.0000994291,0.00001102874,0.5005181,0.00001332097,0.000001663454,4.414206e-7,0.08169003,8.153268e-8,0.000001175133,0.0003493132,0.4172384,0.00007703196],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9591019,0.004397938,1.214538e-8,0.02824642,0.00227097,0.0001987416,0.00006813955,0.000005954773,0.005709912],"genre_scores_gemma":[0.9686514,0.0001301069,0.000007818328,0.00392139,0.0001645646,0.0001483625,0.000006745821,0.000006519515,0.02696305],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.3232052,"threshold_uncertainty_score":0.9995351,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.04408557330715822,"score_gpt":0.3352914786652538,"score_spread":0.2912059053580956,"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."}}