L’endettement étudiant au Québec : Qui sont les étudiants endettés?
Bibliographic record
Abstract
Dans ce mémoire, nous examinons, à l’aide de données tirées de l’Enquête nationale auprès des diplômés, les risques et les montants différenciés d’endettement des étudiants québécois selon diverses caractéristiques sociodémographiques, afin de dresser un portrait général de la situation des étudiants ayant recours à l’endettement. Il existe aux États-Unis une vaste littérature sur les risques et les montants différenciés d’endettement chez les étudiants. Celle-ci met en lumière certains aspects particuliers du recours à l’endettement tels que des inégalités systémiques entre les ménages à revenus élevés et ceux à faibles revenus. Or ce genre d’études est peu commun au Québec. Nos analyses reposent donc sur les thèmes identifiés dans la littérature américaine, tels que l’intersectionnalité, la reproduction des inégalités entre les classes sociales, la stagnation des salaires des classes moyennes et pauvres, etc., mais elles s’appuient sur des données québécoises. Au terme du mémoire, nous concluons que si la situation des étudiants québécois n’est pas aussi inquiétante que celle des étudiants américains, en particulier en ce qui a trait aux montants d’endettement, il existe cependant des inégalités sociales dans le recours au crédit au Québec, en particulier une non-linéarité dans le recours à l’endettement qui défavorise les étudiants issus de la classe moyenne ainsi qu’une corrélation négative entre le fait de provenir d’une famille aisée et celui d’avoir recours à l’endettement, ce qui sous-tend un avantage intergénérationnel. \n \nThis thesis, using data from the National Graduates Survey, examines risks and differentiated amounts of indebtedness of Quebec students according to various sociodemographic characteristics in order to draw a portrait of the situation of students resorting to indebtedness. There is, in the United States, a vast literature on the risks and the differentiated amounts of indebtedness among students. This literature sheds light on certain aspects of the use of debt such as systemic inequalities between high-income households and low-income ones. However, we don’t really find similar literature in Quebec. Our analyzes are therefore based on the themes identified in the American literature, such as intersectionality, the reproduction of inequalities between social classes, the stagnation of wages of the middle and poor classes, etc., but they are based on quebecois data. At the end of this thesis, we conclude that if the situation of Quebec students is not as worrying as that of American students, in particular regarding the amounts of indebtedness, there are however social inequalities in the use of credit, such as a non-linearity in the use of debt which disadvantages students from the middle class as well as a negative correlation between coming from a wealthy family and having recourse to indebtedness, which indicates an intergenerational advantage.
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 | 0.003 | 0.007 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.002 | 0.005 |
| Science and technology studies | 0.010 | 0.003 |
| Scholarly communication | 0.005 | 0.003 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.001 | 0.002 |
| Insufficient payload (model declined to judge) | 0.006 | 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".