{"id":"W4377832386","doi":"10.1257/pandp.20231082","title":"The Insurance Implications of Government Student Loan Repayment Schemes","year":2023,"lang":"en","type":"article","venue":"AEA Papers and Proceedings","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":2,"is_retracted":false,"has_abstract":true,"ca_institutions":"Western University; Brock University","funders":"","keywords":"Student loan; Loan; Payment; Government (linguistics); Debt; Business; Income tax; Participation loan; Demographic economics; Actuarial science; Finance; Economics; Non-performing loan; Public economics","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":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.006480451,0.0002540883,0.0005054508,0.002073172,0.001475791,0.003701292,0.001384177,0.001658607,0.005247519],"category_scores_gemma":[0.04840566,0.0002753398,0.0007594769,0.003155531,0.001432771,0.001159043,0.001642715,0.002117728,0.000315951],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.01527013,"about_ca_system_score_gemma":0.01163234,"about_ca_topic_candidate":true,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.6123992,"about_ca_topic_score_gemma":0.6386022,"domain_scores_codex":[0.9944079,0.001649091,0.0002216743,0.0004191692,0.001561781,0.001740356],"domain_scores_gemma":[0.9632555,0.0163696,0.01140481,0.001473421,0.003975832,0.003520787],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0006787181,0.0003849462,0.8791862,0.0000775941,0.0001900083,0.0005602264,0.001333927,0.0149479,0.0003950382,0.04248518,0.008578047,0.05118229],"study_design_scores_gemma":[0.0001162239,0.000299445,0.9342026,0.0001157308,0.000331995,0.0001907238,0.003395095,0.03489993,0.0007456515,0.01374606,0.01188632,0.00007022684],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9513186,0.002681795,0.0008649128,0.01800719,0.00005518667,0.00009259884,0.00251469,0.00006584803,0.02439921],"genre_scores_gemma":[0.9971886,0.0004039792,0.000140872,0.0002987461,0.00002748093,0.000008242495,0.0003385395,0.000004002654,0.001589481],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.6123992,"threshold_uncertainty_score":0.779767,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01030281422384759,"score_gpt":0.2312717571675626,"score_spread":0.220968942943715,"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."}}