Debt and its use among Puerto Rican undergraduate students
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
espanolDurante la pasada decada, los prestamos estudiantiles han incrementado sustancialmente. Segun el total de deuda estudiantil, Puerto Rico ocupa el decimoseptimo lugar entre los Estados y territorios estadounidenses. Sin embargo, el promedio por estudiante es de $18,000, posicionandolo asi como el mas bajo entre todos. Esta investigacion piloto tiene como objetivo entender el proposito y la cantidad de deuda estudiantil en el que incurren los estudiantes. La muestra consta de 194 (10%) estudiantes de la escuela de Administracion de Empresas de una institucion publica de educacion superior de Puerto Rico. Los mismos respondieron a un cuestionario relacionado a sus deudas y gastos. Los resultados indican que 28% poseen deudas y que las variables de rendimiento academico no estan directamente relacionadas al nivel de deuda. Ademas, las mujeres fueron mas susceptibles a tener deudas. EnglishStudent debt in the United States has been quickly increasing during the past decade. As to the first quarter of 2014, the student loan debt surpassed credit cards debt and auto loans. Puerto Rico ranks #17 by total debt among the United States and territories. Nonetheless, students in Puerto Rico have an average of $18,000 of student debt, positioning it at the lowest rank by average debt. This paper explores the debt phenomena among Puerto Rican undergraduate students. Specifically, we want to determine if students have debt, and if so, what type and how they spend it. A sample of 194 undergraduate students from a School of Business at a public higher education institution of Puerto Rico was surveyed. Results indicate that 28% of business students have debt. Female students were more susceptible to have debt. Furthermore, top expenses covered by debt are food, education, car expenses, clothing, and entertainment. The results reveal that 90 percent is not receiving counseling about debt management from the financial aid office. From those receiving the financial advising (10 percent), only 2 percent perceive it as useful. These results provide an exploratory look into the debt and its use among Puerto Rican undergraduate students.
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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 | 0.000 | 0.001 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.001 | 0.002 |
| Open science | 0.000 | 0.001 |
| 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