=== Run information ===
Scheme: weka.classifiers.trees.RandomTree -K 0 -M 1.0 -V 0.001 -S 1
Relation: data_clean
Instances: 1918
Attributes: 16
Gender
Hours worked
Age
Months in current job
credit rating
Number of loans applied for
Number of Current loans
Country of Birth
Area of residence
Current GPA
Major
Minor
Mode of study
Mode of payment
Number of Dependents
Would accept loan
Test mode: split 66.0% train, remainder test
=== Classifier model (full training set) ===
RandomTree
==========
Hours worked < 95.5
| credit rating < 19
| | Mode of study < 0.5
| | | Hours worked < 41.5
| | | | Major < 0.5
| | | | | Country of Birth < 0.5
| | | | | | Age < 65.5
| | | | | | | Hours worked < 39.5
| | | | | | | | Number of loans applied for < 0.5
| | | | | | | | | Area of residence < 0.5
| | | | | | | | | | Hours worked < 16.5
| | | | | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | | | | Gender >= 0.5 : 0 (1/0)
| | | | | | | | | | Hours worked >= 16.5 : 0 (37/0)
| | | | | | | | | Area of residence >= 0.5 : 0 (2/0)
| | | | | | | | Number of loans applied for >= 0.5
| | | | | | | | | credit rating < 17 : 0 (4/0)
| | | | | | | | | credit rating >= 17
| | | | | | | | | | Age < 21 : 0 (2/0)
| | | | | | | | | | Age >= 21 : 1 (1/0)
| | | | | | | Hours worked >= 39.5
| | | | | | | | Age < 22.5
| | | | | | | | | Months in current job < 6 : 1 (2/0)
| | | | | | | | | Months in current job >= 6 : 0 (2/0)
| | | | | | | | Age >= 22.5 : 0 (3/0)
| | | | | | Age >= 65.5
| | | | | | | Hours worked < 35 : 1 (1/0)
| | | | | | | Hours worked >= 35 : 0 (1/0)
| | | | | Country of Birth >= 0.5 : 0 (4/0)
| | | | Major >= 0.5
| | | | | Months in current job < 6 : 1 (1/0)
| | | | | Months in current job >= 6 : 0 (2/0)
| | | Hours worked >= 41.5
| | | | Hours worked < 63.5 : 0 (59/0)
| | | | Hours worked >= 63.5
| | | | | Current GPA < 1.5 : 1 (1/0)
| | | | | Current GPA >= 1.5
| | | | | | Hours worked < 68.5
| | | | | | | Months in current job < 2.5
| | | | | | | | Gender < 0.5 : 1 (2/0)
| | | | | | | | Gender >= 0.5 : 0 (1/0)
| | | | | | | Months in current job >= 2.5
| | | | | | | | Months in current job < 11.5 : 0 (6/0)
| | | | | | | | Months in current job >= 11.5
| | | | | | | | | credit rating < 6 : 1 (1/0)
| | | | | | | | | credit rating >= 6 : 0 (2/0)
| | | | | | Hours worked >= 68.5
| | | | | | | Age < 48
| | | | | | | | Months in current job < 2.5
| | | | | | | | | Current GPA < 2.5
| | | | | | | | | | Gender < 0.5 : 0 (1/0)
| | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | Hours worked < 89 : 0 (1/0)
| | | | | | | | | | | Hours worked >= 89
| | | | | | | | | | | | Age < 29.5 : 0 (1/0)
| | | | | | | | | | | | Age >= 29.5 : 1 (1/0)
| | | | | | | | | Current GPA >= 2.5
| | | | | | | | | | Hours worked < 76.5 : 0 (1/0)
| | | | | | | | | | Hours worked >= 76.5
| | | | | | | | | | | Months in current job < 1.5 : 0 (1/0)
| | | | | | | | | | | Months in current job >= 1.5 : 1 (1/0)
| | | | | | | | Months in current job >= 2.5
| | | | | | | | | Age < 39 : 0 (47/0)
| | | | | | | | | Age >= 39
| | | | | | | | | | Hours worked < 70 : 0 (1/0)
| | | | | | | | | | Hours worked >= 70
| | | | | | | | | | | Months in current job < 8 : 0 (1/0)
| | | | | | | | | | | Months in current job >= 8 : 1 (1/0)
| | | | | | | Age >= 48 : 0 (21/0)
| | Mode of study >= 0.5
| | | Current GPA < 1.5 : 1 (1/0)
| | | Current GPA >= 1.5 : 0 (2/0)
| credit rating >= 19
| | Age < 20.5
| | | Country of Birth < 0.5 : 0 (6/0)
| | | Country of Birth >= 0.5
| | | | Number of loans applied for < 0.5
| | | | | Hours worked < 83.5 : 0 (3/0)
| | | | | Hours worked >= 83.5 : 1 (1/0)
| | | | Number of loans applied for >= 0.5 : 0 (3/0)
| | Age >= 20.5 : 0 (101/0)
Hours worked >= 95.5
| Number of Dependents < 0.5
| | Age < 37.5
| | | Age < 22.5
| | | | Months in current job < 2.5
| | | | | credit rating < 19
| | | | | | Current GPA < 1.5
| | | | | | | Age < 21.5
| | | | | | | | Hours worked < 233.5 : 1 (2/0)
| | | | | | | | Hours worked >= 233.5 : 0 (1/0)
| | | | | | | Age >= 21.5 : 0 (7/0)
| | | | | | Current GPA >= 1.5
| | | | | | | Minor < 0.5
| | | | | | | | Hours worked < 134 : 0 (1/0)
| | | | | | | | Hours worked >= 134
| | | | | | | | | Age < 20.5
| | | | | | | | | | Gender < 0.5 : 0 (1/0)
| | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | Age < 11 : 0 (1/0)
| | | | | | | | | | | Age >= 11 : 1 (1/0)
| | | | | | | | | Age >= 20.5 : 1 (11/0)
| | | | | | | Minor >= 0.5 : 0 (1/0)
| | | | | credit rating >= 19
| | | | | | Hours worked < 102.5 : 1 (1/0)
| | | | | | Hours worked >= 102.5
| | | | | | | Age < 21 : 0 (22/0)
| | | | | | | Age >= 21
| | | | | | | | Country of Birth < 0.5
| | | | | | | | | Major < 0.5
| | | | | | | | | | Current GPA < 1.5 : 0 (3/0)
| | | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | | Minor < 0.5
| | | | | | | | | | | | credit rating < 25 : 0 (2/0)
| | | | | | | | | | | | credit rating >= 25 : 1 (1/0)
| | | | | | | | | | | Minor >= 0.5 : 0 (1/0)
| | | | | | | | | Major >= 0.5 : 1 (1/0)
| | | | | | | | Country of Birth >= 0.5 : 0 (5/0)
| | | | Months in current job >= 2.5
| | | | | Number of loans applied for < 1.5
| | | | | | Minor < 1.5
| | | | | | | Age < 11.5
| | | | | | | | Months in current job < 7.5 : 0 (1/0)
| | | | | | | | Months in current job >= 7.5 : 1 (1/0)
| | | | | | | Age >= 11.5
| | | | | | | | Major < 0.5
| | | | | | | | | Country of Birth < 0.5
| | | | | | | | | | Months in current job < 11.5 : 0 (43/0)
| | | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | | Number of loans applied for < 0.5
| | | | | | | | | | | | Current GPA < 1.5 : 0 (8/0)
| | | | | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | | | | credit rating < 13
| | | | | | | | | | | | | | credit rating < 9
| | | | | | | | | | | | | | | Hours worked < 152.5
| | | | | | | | | | | | | | | | Age < 20.5
| | | | | | | | | | | | | | | | | Hours worked < 143.5
| | | | | | | | | | | | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | Gender >= 0.5 : 0 (3/0)
| | | | | | | | | | | | | | | | | Hours worked >= 143.5 : 1 (1/0)
| | | | | | | | | | | | | | | | Age >= 20.5 : 0 (1/0)
| | | | | | | | | | | | | | | Hours worked >= 152.5
| | | | | | | | | | | | | | | | Age < 20.5
| | | | | | | | | | | | | | | | | Gender < 0.5
| | | | | | | | | | | | | | | | | | Hours worked < 219.5 : 0 (1/0)
| | | | | | | | | | | | | | | | | | Hours worked >= 219.5
| | | | | | | | | | | | | | | | | | | Hours worked < 274 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | Hours worked >= 274 : 0 (1/0)
| | | | | | | | | | | | | | | | | Gender >= 0.5 : 0 (6/0)
| | | | | | | | | | | | | | | | Age >= 20.5 : 0 (6/0)
| | | | | | | | | | | | | | credit rating >= 9
| | | | | | | | | | | | | | | Hours worked < 105.5
| | | | | | | | | | | | | | | | Hours worked < 103.5 : 0 (1/0)
| | | | | | | | | | | | | | | | Hours worked >= 103.5 : 1 (1/0)
| | | | | | | | | | | | | | | Hours worked >= 105.5
| | | | | | | | | | | | | | | | credit rating < 11
| | | | | | | | | | | | | | | | | Age < 21.5 : 0 (22/0)
| | | | | | | | | | | | | | | | | Age >= 21.5
| | | | | | | | | | | | | | | | | | Current GPA < 3
| | | | | | | | | | | | | | | | | | | Gender < 0.5
| | | | | | | | | | | | | | | | | | | | Hours worked < 213 : 0 (4/0)
| | | | | | | | | | | | | | | | | | | | Hours worked >= 213 : 1 (2/0)
| | | | | | | | | | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | | | | | | | | | Hours worked < 187 : 0 (11/0)
| | | | | | | | | | | | | | | | | | | | Hours worked >= 187
| | | | | | | | | | | | | | | | | | | | | Hours worked < 194.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | | | Hours worked >= 194.5
| | | | | | | | | | | | | | | | | | | | | | Hours worked < 225.5
| | | | | | | | | | | | | | | | | | | | | | | Hours worked < 208.5 : 0 (2/0)
| | | | | | | | | | | | | | | | | | | | | | | Hours worked >= 208.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | | | | Hours worked >= 225.5 : 0 (5/0)
| | | | | | | | | | | | | | | | | | Current GPA >= 3 : 0 (1/0)
| | | | | | | | | | | | | | | | credit rating >= 11
| | | | | | | | | | | | | | | | | Hours worked < 244.5
| | | | | | | | | | | | | | | | | | Hours worked < 188 : 0 (20/0)
| | | | | | | | | | | | | | | | | | Hours worked >= 188
| | | | | | | | | | | | | | | | | | | Gender < 0.5 : 0 (4/0)
| | | | | | | | | | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | | | | | | | | | Hours worked < 192.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | | Hours worked >= 192.5 : 0 (11/0)
| | | | | | | | | | | | | | | | | Hours worked >= 244.5
| | | | | | | | | | | | | | | | | | Gender < 0.5 : 0 (2/0)
| | | | | | | | | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | | | | | | | | Current GPA < 3
| | | | | | | | | | | | | | | | | | | | Hours worked < 247 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | | Hours worked >= 247
| | | | | | | | | | | | | | | | | | | | | Hours worked < 272.5
| | | | | | | | | | | | | | | | | | | | | | Hours worked < 266.5 : 0 (2/0)
| | | | | | | | | | | | | | | | | | | | | | Hours worked >= 266.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | | | Hours worked >= 272.5 : 0 (3/0)
| | | | | | | | | | | | | | | | | | | Current GPA >= 3 : 0 (1/0)
| | | | | | | | | | | | | credit rating >= 13 : 0 (31/0)
| | | | | | | | | | | Number of loans applied for >= 0.5 : 0 (41/0)
| | | | | | | | | Country of Birth >= 0.5 : 0 (92/0)
| | | | | | | | Major >= 0.5
| | | | | | | | | Months in current job < 10.5
| | | | | | | | | | credit rating < 47 : 0 (22/0)
| | | | | | | | | | credit rating >= 47
| | | | | | | | | | | Number of loans applied for < 0.5 : 1 (1/0)
| | | | | | | | | | | Number of loans applied for >= 0.5
| | | | | | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | | | | | Gender >= 0.5 : 0 (7/0)
| | | | | | | | | Months in current job >= 10.5
| | | | | | | | | | Age < 20.5
| | | | | | | | | | | Hours worked < 119.5 : 1 (1/0)
| | | | | | | | | | | Hours worked >= 119.5
| | | | | | | | | | | | credit rating < 23 : 0 (1/0)
| | | | | | | | | | | | credit rating >= 23
| | | | | | | | | | | | | Number of loans applied for < 0.5 : 1 (1/0)
| | | | | | | | | | | | | Number of loans applied for >= 0.5 : 0 (1/0)
| | | | | | | | | | Age >= 20.5
| | | | | | | | | | | Hours worked < 103.5 : 1 (1/0)
| | | | | | | | | | | Hours worked >= 103.5
| | | | | | | | | | | | Current GPA < 3.5
| | | | | | | | | | | | | Country of Birth < 0.5
| | | | | | | | | | | | | | Hours worked < 235 : 0 (5/0)
| | | | | | | | | | | | | | Hours worked >= 235 : 1 (1/0)
| | | | | | | | | | | | | Country of Birth >= 0.5 : 0 (9/0)
| | | | | | | | | | | | Current GPA >= 3.5
| | | | | | | | | | | | | Months in current job < 11.5 : 0 (1/0)
| | | | | | | | | | | | | Months in current job >= 11.5 : 1 (1/0)
| | | | | | Minor >= 1.5
| | | | | | | Area of residence < 0.5
| | | | | | | | Country of Birth < 1.5
| | | | | | | | | Number of Current loans < 0.5 : 1 (5/0)
| | | | | | | | | Number of Current loans >= 0.5
| | | | | | | | | | Number of loans applied for < 0.5 : 0 (1/0)
| | | | | | | | | | Number of loans applied for >= 0.5
| | | | | | | | | | | Months in current job < 7.5 : 0 (1/0)
| | | | | | | | | | | Months in current job >= 7.5
| | | | | | | | | | | | Age < 21 : 0 (1/0)
| | | | | | | | | | | | Age >= 21 : 1 (1/0)
| | | | | | | | Country of Birth >= 1.5
| | | | | | | | | Hours worked < 238 : 0 (2/0)
| | | | | | | | | Hours worked >= 238
| | | | | | | | | | credit rating < 36 : 0 (1/0)
| | | | | | | | | | credit rating >= 36 : 1 (1/0)
| | | | | | | Area of residence >= 0.5
| | | | | | | | Major < 0.5 : 0 (7/0)
| | | | | | | | Major >= 0.5
| | | | | | | | | Area of residence < 3
| | | | | | | | | | Hours worked < 274.5 : 1 (3/0)
| | | | | | | | | | Hours worked >= 274.5
| | | | | | | | | | | Hours worked < 332 : 0 (2/0)
| | | | | | | | | | | Hours worked >= 332 : 1 (1/0)
| | | | | | | | | Area of residence >= 3 : 0 (1/0)
| | | | | Number of loans applied for >= 1.5
| | | | | | Minor < 0.5 : 0 (35/0)
| | | | | | Minor >= 0.5
| | | | | | | credit rating < 35
| | | | | | | | Country of Birth < 0.5
| | | | | | | | | Hours worked < 137.5 : 1 (1/0)
| | | | | | | | | Hours worked >= 137.5 : 0 (4/0)
| | | | | | | | Country of Birth >= 0.5
| | | | | | | | | credit rating < 33 : 1 (2/0)
| | | | | | | | | credit rating >= 33
| | | | | | | | | | Hours worked < 236.5 : 1 (1/0)
| | | | | | | | | | Hours worked >= 236.5 : 0 (1/0)
| | | | | | | credit rating >= 35
| | | | | | | | credit rating < 39 : 0 (6/0)
| | | | | | | | credit rating >= 39
| | | | | | | | | Mode of study < 1.5
| | | | | | | | | | credit rating < 41
| | | | | | | | | | | Gender < 0.5 : 1 (2/0)
| | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | Hours worked < 328.5 : 0 (3/0)
| | | | | | | | | | | | Hours worked >= 328.5
| | | | | | | | | | | | | Area of residence < 0.5 : 0 (1/0)
| | | | | | | | | | | | | Area of residence >= 0.5 : 1 (1/0)
| | | | | | | | | | credit rating >= 41
| | | | | | | | | | | Area of residence < 1.5
| | | | | | | | | | | | Hours worked < 436
| | | | | | | | | | | | | Hours worked < 369
| | | | | | | | | | | | | | Major < 1.5
| | | | | | | | | | | | | | | Months in current job < 7.5 : 0 (5/0)
| | | | | | | | | | | | | | | Months in current job >= 7.5
| | | | | | | | | | | | | | | | Area of residence < 0.5
| | | | | | | | | | | | | | | | | Hours worked < 327
| | | | | | | | | | | | | | | | | | Hours worked < 229
| | | | | | | | | | | | | | | | | | | Hours worked < 216 : 1 (1/0)
| | | | | | | | | | | | | | | | | | | Hours worked >= 216 : 0 (1/0)
| | | | | | | | | | | | | | | | | | Hours worked >= 229 : 1 (3/0)
| | | | | | | | | | | | | | | | | Hours worked >= 327 : 0 (2/0)
| | | | | | | | | | | | | | | | Area of residence >= 0.5
| | | | | | | | | | | | | | | | | Number of loans applied for < 2.5
| | | | | | | | | | | | | | | | | | Country of Birth < 1.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | | Country of Birth >= 1.5 : 0 (3/0)
| | | | | | | | | | | | | | | | | Number of loans applied for >= 2.5 : 0 (3/0)
| | | | | | | | | | | | | | Major >= 1.5
| | | | | | | | | | | | | | | Months in current job < 10 : 0 (1/0)
| | | | | | | | | | | | | | | Months in current job >= 10 : 1 (2/0)
| | | | | | | | | | | | | Hours worked >= 369 : 0 (9/0)
| | | | | | | | | | | | Hours worked >= 436 : 1 (1/0)
| | | | | | | | | | | Area of residence >= 1.5 : 0 (13/0)
| | | | | | | | | Mode of study >= 1.5 : 1 (1/0)
| | | Age >= 22.5
| | | | Country of Birth < 0.5
| | | | | Number of loans applied for < 0.5
| | | | | | Area of residence < 0.5
| | | | | | | Age < 24.5
| | | | | | | | Gender < 0.5
| | | | | | | | | Hours worked < 108 : 1 (1/0)
| | | | | | | | | Hours worked >= 108
| | | | | | | | | | Months in current job < 6
| | | | | | | | | | | Hours worked < 148.5 : 0 (4/0)
| | | | | | | | | | | Hours worked >= 148.5 : 1 (6/0)
| | | | | | | | | | Months in current job >= 6
| | | | | | | | | | | Months in current job < 11.5 : 0 (7/0)
| | | | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | | | Hours worked < 202.5 : 1 (1/0)
| | | | | | | | | | | | Hours worked >= 202.5 : 0 (2/0)
| | | | | | | | Gender >= 0.5
| | | | | | | | | Current GPA < 1.5
| | | | | | | | | | Age < 23.5
| | | | | | | | | | | Hours worked < 285.5
| | | | | | | | | | | | credit rating < 21 : 0 (4/0)
| | | | | | | | | | | | credit rating >= 21 : 1 (1/0)
| | | | | | | | | | | Hours worked >= 285.5 : 1 (1/0)
| | | | | | | | | | Age >= 23.5 : 0 (7/0)
| | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | Age < 23.5
| | | | | | | | | | | Minor < 0.5
| | | | | | | | | | | | Months in current job < 11.5 : 0 (5/0)
| | | | | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | | | | Hours worked < 278.5 : 1 (1/0)
| | | | | | | | | | | | | Hours worked >= 278.5 : 0 (1/0)
| | | | | | | | | | | Minor >= 0.5
| | | | | | | | | | | | Hours worked < 254.5
| | | | | | | | | | | | | Months in current job < 11.5 : 0 (2/0)
| | | | | | | | | | | | | Months in current job >= 11.5 : 1 (1/0)
| | | | | | | | | | | | Hours worked >= 254.5 : 0 (3/0)
| | | | | | | | | | Age >= 23.5
| | | | | | | | | | | Hours worked < 170
| | | | | | | | | | | | Months in current job < 11.5 : 0 (5/0)
| | | | | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | | | | Number of Current loans < 1.5 : 1 (1/0)
| | | | | | | | | | | | | Number of Current loans >= 1.5 : 0 (1/0)
| | | | | | | | | | | Hours worked >= 170 : 0 (12/0)
| | | | | | | Age >= 24.5
| | | | | | | | Age < 36.5
| | | | | | | | | Minor < 0.5
| | | | | | | | | | credit rating < 9
| | | | | | | | | | | Hours worked < 245.5 : 0 (1/0)
| | | | | | | | | | | Hours worked >= 245.5 : 1 (1/0)
| | | | | | | | | | credit rating >= 9 : 0 (18/0)
| | | | | | | | | Minor >= 0.5 : 0 (11/0)
| | | | | | | | Age >= 36.5
| | | | | | | | | Months in current job < 6 : 1 (1/0)
| | | | | | | | | Months in current job >= 6 : 0 (8/0)
| | | | | | Area of residence >= 0.5 : 0 (47/0)
| | | | | Number of loans applied for >= 0.5
| | | | | | Gender < 0.5
| | | | | | | Months in current job < 3.5
| | | | | | | | Major < 0.5
| | | | | | | | | Age < 23.5
| | | | | | | | | | Hours worked < 184 : 0 (1/0)
| | | | | | | | | | Hours worked >= 184 : 1 (1/0)
| | | | | | | | | Age >= 23.5 : 0 (7/0)
| | | | | | | | Major >= 0.5
| | | | | | | | | credit rating < 35 : 1 (1/0)
| | | | | | | | | credit rating >= 35
| | | | | | | | | | Age < 33 : 1 (1/0)
| | | | | | | | | | Age >= 33 : 0 (1/0)
| | | | | | | Months in current job >= 3.5
| | | | | | | | Age < 33
| | | | | | | | | Months in current job < 11.5 : 0 (8/0)
| | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | Hours worked < 228 : 0 (10/0)
| | | | | | | | | | Hours worked >= 228
| | | | | | | | | | | Age < 23.5 : 0 (1/0)
| | | | | | | | | | | Age >= 23.5
| | | | | | | | | | | | credit rating < 17 : 1 (1/0)
| | | | | | | | | | | | credit rating >= 17 : 0 (3/0)
| | | | | | | | Age >= 33
| | | | | | | | | Number of loans applied for < 2
| | | | | | | | | | Age < 35
| | | | | | | | | | | credit rating < 37 : 1 (1/0)
| | | | | | | | | | | credit rating >= 37 : 0 (1/0)
| | | | | | | | | | Age >= 35 : 0 (3/0)
| | | | | | | | | Number of loans applied for >= 2 : 0 (1/0)
| | | | | | Gender >= 0.5
| | | | | | | Number of Current loans < 0.5
| | | | | | | | Age < 24.5
| | | | | | | | | Age < 23.5 : 0 (14/0)
| | | | | | | | | Age >= 23.5
| | | | | | | | | | Current GPA < 1.5 : 0 (5/0)
| | | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | | Hours worked < 118
| | | | | | | | | | | | Hours worked < 104 : 0 (1/0)
| | | | | | | | | | | | Hours worked >= 104 : 1 (1/0)
| | | | | | | | | | | Hours worked >= 118 : 0 (21/0)
| | | | | | | | Age >= 24.5 : 0 (21/0)
| | | | | | | Number of Current loans >= 0.5 : 0 (24/0)
| | | | Country of Birth >= 0.5
| | | | | Major < 2.5
| | | | | | Area of residence < 0.5
| | | | | | | Gender < 0.5
| | | | | | | | Hours worked < 223.5
| | | | | | | | | Hours worked < 221.5 : 0 (20/0)
| | | | | | | | | Hours worked >= 221.5 : 1 (1/0)
| | | | | | | | Hours worked >= 223.5 : 0 (26/0)
| | | | | | | Gender >= 0.5 : 0 (129/0)
| | | | | | Area of residence >= 0.5
| | | | | | | Number of Current loans < 0.5
| | | | | | | | Area of residence < 2.5
| | | | | | | | | Age < 33 : 0 (43/0)
| | | | | | | | | Age >= 33
| | | | | | | | | | Hours worked < 355.5 : 0 (5/0)
| | | | | | | | | | Hours worked >= 355.5 : 1 (1/0)
| | | | | | | | Area of residence >= 2.5
| | | | | | | | | Current GPA < 2.5 : 0 (3/0)
| | | | | | | | | Current GPA >= 2.5 : 1 (1/0)
| | | | | | | Number of Current loans >= 0.5
| | | | | | | | credit rating < 28 : 1 (1/0)
| | | | | | | | credit rating >= 28
| | | | | | | | | credit rating < 65
| | | | | | | | | | Mode of payment < 0.5
| | | | | | | | | | | Country of Birth < 1.5 : 0 (12/0)
| | | | | | | | | | | Country of Birth >= 1.5
| | | | | | | | | | | | Current GPA < 2.5
| | | | | | | | | | | | | Months in current job < 8.5
| | | | | | | | | | | | | | Number of Current loans < 1.5 : 0 (2/0)
| | | | | | | | | | | | | | Number of Current loans >= 1.5
| | | | | | | | | | | | | | | credit rating < 48 : 0 (1/0)
| | | | | | | | | | | | | | | credit rating >= 48 : 1 (1/0)
| | | | | | | | | | | | | Months in current job >= 8.5
| | | | | | | | | | | | | | Number of Current loans < 1.5
| | | | | | | | | | | | | | | Months in current job < 9.5 : 0 (4/0)
| | | | | | | | | | | | | | | Months in current job >= 9.5
| | | | | | | | | | | | | | | | Area of residence < 1.5 : 1 (2/0)
| | | | | | | | | | | | | | | | Area of residence >= 1.5 : 0 (6/0)
| | | | | | | | | | | | | | Number of Current loans >= 1.5 : 0 (7/0)
| | | | | | | | | | | | Current GPA >= 2.5 : 0 (4/0)
| | | | | | | | | | Mode of payment >= 0.5
| | | | | | | | | | | Minor < 0.5 : 0 (1/0)
| | | | | | | | | | | Minor >= 0.5 : 1 (1/0)
| | | | | | | | | credit rating >= 65 : 0 (15/0)
| | | | | Major >= 2.5
| | | | | | Months in current job < 9.5 : 0 (1/0)
| | | | | | Months in current job >= 9.5 : 1 (3/0)
| | Age >= 37.5
| | | Age < 61
| | | | Months in current job < 2.5
| | | | | Gender < 0.5
| | | | | | Months in current job < 1.5 : 1 (1/0)
| | | | | | Months in current job >= 1.5
| | | | | | | Age < 57.5
| | | | | | | | Hours worked < 178 : 1 (3/0)
| | | | | | | | Hours worked >= 178
| | | | | | | | | Hours worked < 236 : 0 (1/0)
| | | | | | | | | Hours worked >= 236 : 1 (1/0)
| | | | | | | Age >= 57.5 : 1 (4/0)
| | | | | Gender >= 0.5
| | | | | | credit rating < 9
| | | | | | | Current GPA < 1.5 : 0 (4/0)
| | | | | | | Current GPA >= 1.5
| | | | | | | | Months in current job < 1.5 : 1 (1/0)
| | | | | | | | Months in current job >= 1.5
| | | | | | | | | credit rating < 7 : 0 (5/0)
| | | | | | | | | credit rating >= 7
| | | | | | | | | | Hours worked < 179.5 : 1 (2/0)
| | | | | | | | | | Hours worked >= 179.5
| | | | | | | | | | | Hours worked < 286 : 0 (4/0)
| | | | | | | | | | | Hours worked >= 286 : 1 (1/0)
| | | | | | credit rating >= 9 : 1 (4/0)
| | | | Months in current job >= 2.5
| | | | | Months in current job < 10.5
| | | | | | Hours worked < 281
| | | | | | | credit rating < 19
| | | | | | | | Number of loans applied for < 0.5
| | | | | | | | | Hours worked < 132.5
| | | | | | | | | | Age < 59.5 : 0 (7/0)
| | | | | | | | | | Age >= 59.5 : 1 (1/0)
| | | | | | | | | Hours worked >= 132.5 : 0 (11/0)
| | | | | | | | Number of loans applied for >= 0.5 : 0 (4/0)
| | | | | | | credit rating >= 19
| | | | | | | | Months in current job < 5.5 : 0 (9/0)
| | | | | | | | Months in current job >= 5.5
| | | | | | | | | Current GPA < 1.5
| | | | | | | | | | Area of residence < 0.5
| | | | | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | | | | Gender >= 0.5 : 0 (2/0)
| | | | | | | | | | Area of residence >= 0.5
| | | | | | | | | | | credit rating < 31
| | | | | | | | | | | | Months in current job < 8
| | | | | | | | | | | | | Number of loans applied for < 1.5 : 0 (1/0)
| | | | | | | | | | | | | Number of loans applied for >= 1.5 : 1 (1/0)
| | | | | | | | | | | | Months in current job >= 8 : 1 (1/0)
| | | | | | | | | | | credit rating >= 31 : 1 (3/0)
| | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | Major < 0.5
| | | | | | | | | | | Number of loans applied for < 0.5
| | | | | | | | | | | | Age < 39 : 0 (1/0)
| | | | | | | | | | | | Age >= 39 : 1 (2/0)
| | | | | | | | | | | Number of loans applied for >= 0.5
| | | | | | | | | | | | Area of residence < 0.5
| | | | | | | | | | | | | credit rating < 39 : 0 (2/0)
| | | | | | | | | | | | | credit rating >= 39 : 1 (1/0)
| | | | | | | | | | | | Area of residence >= 0.5 : 0 (8/0)
| | | | | | | | | | Major >= 0.5
| | | | | | | | | | | credit rating < 37 : 1 (4/0)
| | | | | | | | | | | credit rating >= 37
| | | | | | | | | | | | Hours worked < 152 : 0 (1/0)
| | | | | | | | | | | | Hours worked >= 152 : 1 (2/0)
| | | | | | Hours worked >= 281
| | | | | | | Number of loans applied for < 2.5
| | | | | | | | Age < 57.5
| | | | | | | | | Gender < 0.5
| | | | | | | | | | Hours worked < 340.5 : 0 (5/0)
| | | | | | | | | | Hours worked >= 340.5 : 1 (1/0)
| | | | | | | | | Gender >= 0.5 : 0 (18/0)
| | | | | | | | Age >= 57.5
| | | | | | | | | Area of residence < 0.5 : 0 (2/0)
| | | | | | | | | Area of residence >= 0.5
| | | | | | | | | | credit rating < 36 : 1 (1/0)
| | | | | | | | | | credit rating >= 36 : 0 (1/0)
| | | | | | | Number of loans applied for >= 2.5
| | | | | | | | Age < 56.5
| | | | | | | | | Area of residence < 1.5
| | | | | | | | | | Months in current job < 9 : 0 (1/0)
| | | | | | | | | | Months in current job >= 9 : 1 (2/0)
| | | | | | | | | Area of residence >= 1.5 : 0 (2/0)
| | | | | | | | Age >= 56.5 : 0 (3/0)
| | | | | Months in current job >= 10.5
| | | | | | Number of loans applied for < 3.5
| | | | | | | Current GPA < 1.5
| | | | | | | | Minor < 2.5
| | | | | | | | | Hours worked < 305
| | | | | | | | | | Age < 38.5
| | | | | | | | | | | Number of loans applied for < 0.5
| | | | | | | | | | | | Hours worked < 303 : 0 (3/0)
| | | | | | | | | | | | Hours worked >= 303 : 1 (1/0)
| | | | | | | | | | | Number of loans applied for >= 0.5 : 1 (1/0)
| | | | | | | | | | Age >= 38.5 : 0 (3/0)
| | | | | | | | | Hours worked >= 305 : 0 (12/0)
| | | | | | | | Minor >= 2.5
| | | | | | | | | Gender < 0.5
| | | | | | | | | | Age < 58.5 : 1 (1/0)
| | | | | | | | | | Age >= 58.5 : 0 (1/0)
| | | | | | | | | Gender >= 0.5 : 0 (1/0)
| | | | | | | Current GPA >= 1.5
| | | | | | | | Hours worked < 207
| | | | | | | | | Hours worked < 204.5
| | | | | | | | | | credit rating < 35
| | | | | | | | | | | Gender < 0.5
| | | | | | | | | | | | Hours worked < 145.5
| | | | | | | | | | | | | Hours worked < 137 : 0 (1/0)
| | | | | | | | | | | | | Hours worked >= 137 : 1 (1/0)
| | | | | | | | | | | | Hours worked >= 145.5 : 0 (8/0)
| | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | credit rating < 7
| | | | | | | | | | | | | Age < 56
| | | | | | | | | | | | | | Hours worked < 163.5 : 0 (5/0)
| | | | | | | | | | | | | | Hours worked >= 163.5
| | | | | | | | | | | | | | | Hours worked < 177.5 : 1 (1/0)
| | | | | | | | | | | | | | | Hours worked >= 177.5
| | | | | | | | | | | | | | | | Hours worked < 186.5 : 0 (2/0)
| | | | | | | | | | | | | | | | Hours worked >= 186.5
| | | | | | | | | | | | | | | | | Hours worked < 191 : 0.5 (2/0.25)
| | | | | | | | | | | | | | | | | Hours worked >= 191 : 0 (1/0)
| | | | | | | | | | | | | Age >= 56 : 0 (9/0)
| | | | | | | | | | | | credit rating >= 7 : 0 (31/0)
| | | | | | | | | | credit rating >= 35
| | | | | | | | | | | Months in current job < 11.5 : 0 (1/0)
| | | | | | | | | | | Months in current job >= 11.5 : 1 (1/0)
| | | | | | | | | Hours worked >= 204.5 : 1 (1/0)
| | | | | | | | Hours worked >= 207
| | | | | | | | | Country of Birth < 0.5
| | | | | | | | | | Months in current job < 11.5 : 0 (14/0)
| | | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | | credit rating < 5
| | | | | | | | | | | | Age < 59 : 0 (9/0)
| | | | | | | | | | | | Age >= 59 : 1 (1/0)
| | | | | | | | | | | credit rating >= 5 : 0 (13/0)
| | | | | | | | | Country of Birth >= 0.5 : 0 (8/0)
| | | | | | Number of loans applied for >= 3.5
| | | | | | | Area of residence < 1.5 : 0 (1/0)
| | | | | | | Area of residence >= 1.5 : 1 (1/0)
| | | Age >= 61
| | | | Major < 1.5
| | | | | Major < 0.5
| | | | | | Age < 69.5
| | | | | | | Hours worked < 255.5
| | | | | | | | Hours worked < 194
| | | | | | | | | credit rating < 19
| | | | | | | | | | Hours worked < 153
| | | | | | | | | | | Current GPA < 1.5 : 1 (1/0)
| | | | | | | | | | | Current GPA >= 1.5
| | | | | | | | | | | | Number of Current loans < 0.5
| | | | | | | | | | | | | Hours worked < 103.5 : 0 (3/0)
| | | | | | | | | | | | | Hours worked >= 103.5
| | | | | | | | | | | | | | Age < 64 : 0 (2/0)
| | | | | | | | | | | | | | Age >= 64
| | | | | | | | | | | | | | | Months in current job < 7
| | | | | | | | | | | | | | | | Months in current job < 2.5
| | | | | | | | | | | | | | | | | Hours worked < 118.5 : 1 (1/0)
| | | | | | | | | | | | | | | | | Hours worked >= 118.5 : 0 (3/0)
| | | | | | | | | | | | | | | | Months in current job >= 2.5 : 0 (3/0)
| | | | | | | | | | | | | | | Months in current job >= 7 : 1 (1/0)
| | | | | | | | | | | | Number of Current loans >= 0.5 : 0 (1/0)
| | | | | | | | | | Hours worked >= 153
| | | | | | | | | | | Gender < 0.5
| | | | | | | | | | | | Age < 62.5 : 1 (1/0)
| | | | | | | | | | | | Age >= 62.5
| | | | | | | | | | | | | Hours worked < 169 : 0 (1/0)
| | | | | | | | | | | | | Hours worked >= 169 : 1 (1/0)
| | | | | | | | | | | Gender >= 0.5
| | | | | | | | | | | | Months in current job < 2.5 : 1 (2/0)
| | | | | | | | | | | | Months in current job >= 2.5
| | | | | | | | | | | | | Hours worked < 190.5 : 0 (4/0)
| | | | | | | | | | | | | Hours worked >= 190.5 : 1 (1/0)
| | | | | | | | | credit rating >= 19 : 0 (3/0)
| | | | | | | | Hours worked >= 194
| | | | | | | | | Months in current job < 11.5 : 0 (11/0)
| | | | | | | | | Months in current job >= 11.5
| | | | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | | | Gender >= 0.5 : 0 (2/0)
| | | | | | | Hours worked >= 255.5
| | | | | | | | Age < 66.5
| | | | | | | | | Age < 62.5 : 1 (1/0)
| | | | | | | | | Age >= 62.5
| | | | | | | | | | Months in current job < 11.5
| | | | | | | | | | | Hours worked < 263 : 1 (1/0)
| | | | | | | | | | | Hours worked >= 263
| | | | | | | | | | | | credit rating < 5
| | | | | | | | | | | | | credit rating < 3 : 0 (2/0)
| | | | | | | | | | | | | credit rating >= 3
| | | | | | | | | | | | | | Hours worked < 280.5 : 0 (1/0)
| | | | | | | | | | | | | | Hours worked >= 280.5 : 1 (2/0)
| | | | | | | | | | | | credit rating >= 5
| | | | | | | | | | | | | Minor < 1.5 : 0 (8/0)
| | | | | | | | | | | | | Minor >= 1.5
| | | | | | | | | | | | | | Country of Birth < 0.5 : 1 (1/0)
| | | | | | | | | | | | | | Country of Birth >= 0.5 : 0 (1/0)
| | | | | | | | | | Months in current job >= 11.5 : 1 (3/0)
| | | | | | | | Age >= 66.5 : 1 (3/0)
| | | | | | Age >= 69.5 : 0 (12/0)
| | | | | Major >= 0.5
| | | | | | Hours worked < 320.5
| | | | | | | credit rating < 35 : 1 (3/0)
| | | | | | | credit rating >= 35
| | | | | | | | Hours worked < 177.5 : 0 (1/0)
| | | | | | | | Hours worked >= 177.5 : 1 (1/0)
| | | | | | Hours worked >= 320.5 : 0 (3/0)
| | | | Major >= 1.5 : 1 (3/0)
| Number of Dependents >= 0.5
| | credit rating < 29 : 0 (7/0)
| | credit rating >= 29
| | | Hours worked < 446.5
| | | | Minor < 1.5
| | | | | Country of Birth < 1.5
| | | | | | Hours worked < 206
| | | | | | | Minor < 0.5
| | | | | | | | Gender < 0.5 : 1 (1/0)
| | | | | | | | Gender >= 0.5
| | | | | | | | | Number of Current loans < 1.5 : 0 (4/0)
| | | | | | | | | Number of Current loans >= 1.5
| | | | | | | | | | Number of loans applied for < 2.5 : 1 (1/0)
| | | | | | | | | | Number of loans applied for >= 2.5 : 0 (1/0)
| | | | | | | Minor >= 0.5
| | | | | | | | Age < 23.5 : 0 (5/0)
| | | | | | | | Age >= 23.5
| | | | | | | | | Gender < 0.5 : 0 (2/0)
| | | | | | | | | Gender >= 0.5
| | | | | | | | | | Hours worked < 160 : 1 (1/0)
| | | | | | | | | | Hours worked >= 160 : 0 (1/0)
| | | | | | Hours worked >= 206
| | | | | | | Area of residence < 1.5
| | | | | | | | Age < 22.5 : 0 (2/0)
| | | | | | | | Age >= 22.5
| | | | | | | | | Gender < 0.5
| | | | | | | | | | Months in current job < 9 : 0 (1/0)
| | | | | | | | | | Months in current job >= 9 : 1 (1/0)
| | | | | | | | | Gender >= 0.5 : 1 (6/0)
| | | | | | | Area of residence >= 1.5 : 0 (6/0)
| | | | | Country of Birth >= 1.5
| | | | | | Number of Current loans < 1.5
| | | | | | | Mode of payment < 1.5
| | | | | | | | Number of Dependents < 1.5
| | | | | | | | | Hours worked < 268 : 0 (11/0)
| | | | | | | | | Hours worked >= 268
| | | | | | | | | | Number of loans applied for < 0.5 : 0 (4/0)
| | | | | | | | | | Number of loans applied for >= 0.5
| | | | | | | | | | | Major < 1.5
| | | | | | | | | | | | Hours worked < 360
| | | | | | | | | | | | | Gender < 0.5
| | | | | | | | | | | | | | Months in current job < 9 : 1 (1/0)
| | | | | | | | | | | | | | Months in current job >= 9 : 0 (1/0)
| | | | | | | | | | | | | Gender >= 0.5 : 1 (2/0)
| | | | | | | | | | | | Hours worked >= 360 : 0 (3/0)
| | | | | | | | | | | Major >= 1.5 : 0 (3/0)
| | | | | | | | Number of Dependents >= 1.5
| | | | | | | | | Months in current job < 9 : 0 (1/0)
| | | | | | | | | Months in current job >= 9 : 1 (1/0)
| | | | | | | Mode of payment >= 1.5 : 1 (1/0)
| | | | | | Number of Current loans >= 1.5 : 0 (3/0)
| | | | Minor >= 1.5
| | | | | Number of loans applied for < 0.5 : 1 (3/0)
| | | | | Number of loans applied for >= 0.5
| | | | | | Age < 22.5
| | | | | | | Area of residence < 1 : 1 (4/0)
| | | | | | | Area of residence >= 1 : 0 (1/0)
| | | | | | Age >= 22.5 : 0 (6/0)
| | | Hours worked >= 446.5 : 1 (1/0)
Correlation coefficient 0.1812
Mean absolute error 0.1771
Root mean squared error 0.4204
Relative absolute error 92.9332 %
Root relative squared error 138.4155 %
Total Number of Instances 652
|