From “good credit” to “bad debt”: Comparative reflections on the student debt experience of young professionals in Santiago, Chile, and Montreal, Canada
Bibliographic record
Abstract
This article explores how and when student debt is represented as a problem for young people as well as the ways in which the consequences of this indebtedness are handled. This is done through a comparative reflection about the experience of indebtedness felt by several young adults who have university student loan debt in Santiago, Chile, and Montreal, Quebec, Canada. The primary results confirm that the two contexts produce two types of distinct experiences of indebtedness. The young adults in Montreal consider indebtedness to be a problem, so much so that they have internalized the discourse on individual responsibility and financial autonomy promoted by credit agencies and Quebec society. Indebted young adults in Santiago consider their indebtedness to be a problem when they observe that Chilean society is not capable of fulfilling the promise of social mobility through the acquisition of a university degree. While for Montreal debtors, the consequences are internalized and shielded by legislation, the Santiago debtors politicize their demands for a debt solution.
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
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 | 0.002 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.001 | 0.000 |
| Bibliometrics | 0.001 | 0.002 |
| Science and technology studies | 0.022 | 0.014 |
| Scholarly communication | 0.007 | 0.002 |
| Open science | 0.001 | 0.008 |
| Research integrity | 0.002 | 0.004 |
| Insufficient payload (model declined to judge) | 0.003 | 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 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".