{"id":"W4416424745","doi":"10.1016/j.red.2025.101317","title":"Go big or buy a home: The impact of student debt on career and housing choices","year":2025,"lang":"en","type":"article","venue":"Review of Economic Dynamics","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":false,"ca_institutions":"Université de Montréal","funders":"University of Chicago; University of Pennsylvania; Universität Zürich; Københavns Universitet; U.S. Department of Education","keywords":"Debt; Earnings; Student debt; Student loan; Human capital; Loan","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":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.000513034,0.0001755863,0.0005687369,0.0001966498,0.00007501397,0.00007957318,0.0002907337,0.00003508518,0.00009137663],"category_scores_gemma":[0.000082435,0.0001084578,0.0002367252,0.0003171155,0.00006541762,0.0002147314,0.0001902921,0.0000710567,0.00001830502],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0001500444,"about_ca_system_score_gemma":0.00006762323,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0009934503,"about_ca_topic_score_gemma":0.001242547,"domain_scores_codex":[0.9989496,0.00001711253,0.0005723675,0.0002174835,0.00009341981,0.00014994],"domain_scores_gemma":[0.9988853,0.00009897909,0.0005484304,0.0003605846,0.0000992718,0.000007452421],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.00004951574,0.00008975895,0.9406942,0.005871235,0.0001775938,0.000001493016,0.00002353239,0.0003999864,0.000008019218,0.01926265,0.001200686,0.0322214],"study_design_scores_gemma":[0.0007572416,0.00006621228,0.9305575,0.01242426,0.001033934,8.411135e-7,0.0001032652,0.04553525,0.000004059975,0.0009521804,0.008160712,0.0004044741],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9856181,0.0097352,0.000008821494,0.0001970939,0.0001843187,0.0004053333,0.00001371372,0.0000124508,0.003824938],"genre_scores_gemma":[0.9841429,0.01475161,0.00003210673,0.0006467743,0.0001356645,0.00001000777,0.00003075563,0.00001568732,0.000234488],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.04513526,"threshold_uncertainty_score":0.4422779,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0212204292339776,"score_gpt":0.2997610448042095,"score_spread":0.2785406155702319,"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."}}