El peso real de la deuda de estudios. Análisis cualitativo de la trayectoria de endeudamiento de los jóvenes deudores del sistema de financiamiento universitario Corfo
Bibliographic record
Abstract
A partir de un estudio cualitativo realizado con jóvenes adultos -entre 25 y 36 años- deudores de los créditos de pregrado otorgados por la Corporación de Fomento de la Producción (en adelante Corfo )y residentes en Santiago de Chile, el presente trabajo se ocupa de analizar sus trayectoria de endeudamiento educacional. Los principales hallazgos dan cuenta de las proyecciones económicas y profesionales que los deudores asumen cuando acceden al crédito, las estrategias familiares desarrolladas para obtener y responder al crédito y las difíciles consecuencias personales y familiares que ha significado para los deudores responder a las exigencias de rembolso del crédito.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.053 | 0.128 |
| Meta-epidemiology (narrow) | 0.001 | 0.001 |
| Meta-epidemiology (broad) | 0.001 | 0.001 |
| Bibliometrics | 0.004 | 0.007 |
| Science and technology studies | 0.004 | 0.004 |
| Scholarly communication | 0.008 | 0.005 |
| Open science | 0.001 | 0.007 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.005 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".