{"id":"W4361282840","doi":"10.55504/0884-9153.1759","title":"Talk Debt to Me: An Applied Linguistics Approach to Exploring College Student Preferences for Student Loan Debt Letters","year":2023,"lang":"en","type":"article","venue":"Journal of Student Financial Aid","topic":"Innovations in Educational Methods","field":"Social Sciences","cited_by":1,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université du Québec à Trois-Rivières","funders":"Federal Student Aid; U.S. Department of Education","keywords":"Student loan; Debt; Student debt; Loan; Acknowledgement; Participation loan; Non-conforming loan; Higher education; Bridge loan; Shareholder loan; Business; Psychology; Economics; Finance; Non-performing loan; Economic growth; Computer science","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":[0.005527973,0.0005218342,0.0004948584,0.002910243,0.003822026,0.005136143,0.0009046502,0.001015941,0.003858148],"category_scores_gemma":[0.01953651,0.0005360321,0.000433478,0.00206126,0.001922194,0.002241079,0.00301552,0.002003164,0.0009891957],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00143853,"about_ca_system_score_gemma":0.002890933,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.005072691,"about_ca_topic_score_gemma":0.01446824,"domain_scores_codex":[0.9958594,0.00267004,0.0002363996,0.0003396649,0.0004759273,0.0004185117],"domain_scores_gemma":[0.9890214,0.006196477,0.001922253,0.0006314428,0.001464202,0.0007643376],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"qualitative","study_design_gemma":"qualitative","study_design_scores_codex":[0.0002193668,0.003375264,0.2950069,0.0002577264,0.00004505512,0.0006533333,0.6287354,0.0002265219,0.005716328,0.002565709,0.001800253,0.0613983],"study_design_scores_gemma":[0.00005066059,0.0009575339,0.1672086,0.0001391559,0.00004009353,0.0003559579,0.8142354,0.002258955,0.001757165,0.004326213,0.008579211,0.00009105603],"study_design_candidate":"qualitative","study_design_consensus":"qualitative","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9946078,0.00002407368,0.001101992,0.0002241881,0.00001055739,0.0002084351,0.00005691617,0.000008493948,0.003757654],"genre_scores_gemma":[0.9865575,0.0001256734,0.007232102,0.0006376896,0.0000220187,0.001228562,0.0001177905,0.00002060173,0.004058149],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.005527973,"threshold_uncertainty_score":0.02923506,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.1382257071144278,"score_gpt":0.4263173473189187,"score_spread":0.2880916402044909,"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."}}