Students' Attitudes Toward Debt-A Study of Atkinson Faculty of Liberal and Professional Studies, York University, and Ryerson University
Why this work is in the frame
A frame that forgets how it found something cannot be audited. These are the routes that admitted this work.
Bibliographic record
Abstract
In Ontario, the university system has been put on notice that there will be financial consequences for those universities whose Ontario Student Assistance Plan (OSAP) default rates are greater than the norm. As a result, it is important to determine all of the factors that affect students' decisions to borrow. This paper uses survey information gathered from Atkinson Faculty of Liberal and Professional Studies, York University, and Ryerson University to focus attention on the relationship between students' attitudes toward going into debt to finance their university education and their actual borrowing behavior. The study found that when all else is held constant, students with positive attitudes toward debt are more likely than others to be on the OSAP.
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Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.000 | 0.000 |
| Open science | 0.000 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
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 it