高校问答非我无道 txt下载:急需！翻译这段英文
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As in the previous analysis, we used a sequential logistic regression to assess the effect of Advocate Unit participation on default propensity. Again, for the longitudinal analysis the first block was statistically significant (χ2 = 1,552.67, p < .01, df=15). Further, after adding participation in the Advocate Unit in the next block, the block was still statistically significant (χ2 = 4.07, p < .05, df = 16) (see Table 5). Finally, the β weight for the Advocate Unit was negative, indicating that when a person was part of the Advocate Unit, they would still be less likely to default.
Summary
The results from this analysis indicate that participation in the Advocate Unit continues to have a statistically significant positive effect on the borrower default behavior, even over a longer period of time. Although the default rates for the Advocate Unit participants did increase from Study 1, the default rates for sample student borrowers in Study 2 were still lower at the p <.01 level, even after controlling for the differences between the two groups.
Discussion
Public investment in higher education has been directed at reducing barriers to entry for more than 30 years (Volkwein, etal., 1998). Since the 1980s, approximately half of the students attending four-year colleges and more than 60% of the students attending proprietary schools have borrowed to assist in paying for their education (The College Board, 1992). However, the default rate on student loans has historically been higher than the rates for both consumer loans (American Banker Association, 1994) and home mortgages (Mortgage Bankers Association of America, 1994). The costs associated with defaults have been estimated to account for more than a fifth of the total program costs (Knapp & Seaks, 1992).
Summary
The results from this analysis indicate that participation in the Advocate Unit continues to have a statistically significant positive effect on the borrower default behavior, even over a longer period of time. Although the default rates for the Advocate Unit participants did increase from Study 1, the default rates for sample student borrowers in Study 2 were still lower at the p <.01 level, even after controlling for the differences between the two groups.
Discussion
Public investment in higher education has been directed at reducing barriers to entry for more than 30 years (Volkwein, etal., 1998). Since the 1980s, approximately half of the students attending four-year colleges and more than 60% of the students attending proprietary schools have borrowed to assist in paying for their education (The College Board, 1992). However, the default rate on student loans has historically been higher than the rates for both consumer loans (American Banker Association, 1994) and home mortgages (Mortgage Bankers Association of America, 1994). The costs associated with defaults have been estimated to account for more than a fifth of the total program costs (Knapp & Seaks, 1992).
悬赏太少……
和在早先分析， 我们在缺省倾向使用连续逻辑斯谛的退化估计提倡者单位参与的作用。 再次， 为纵向分析第一个块统计地是重大的(χ2 = 1,552.67， p < .01， df=15)。 进一步， 在增加参与以后提倡者单位在下个块， 块统计地仍然是重大的(χ2 = 4.07， p < .05， df = 16) (参见表5)。 终于， β重量为提倡者单位是消极的， 表明那，当人是提倡者单位的一部分， 他们更是较不可能默认。
总结
结果从这分析表明参与提倡者单位在借户缺省行为继续有一个统计地重大正面作用， 在一个更长的时期。 虽然缺省率为提倡者单位参加者从研究1增加了， 缺省率为样品学生借户在研究2中是低在p <.01水平， 在控制为二个小组之间的区别以后。
讨论
公共投资在高等教育被指挥了在减少入口屏障超过30年(Volkwein， 等， 1998)。 从80年代， 上4年的学院的学生的近似一半和超过上私有的学校的60%学生借用协助支付他们的教育(大学委员会， 1992)。 然而， 缺省率在学生贷款历史上率高于为两消费贷款(美国银行家协会， 1994) 并且房屋贷款(美国的抵押银行家协会， 1994)。 费用与缺省相关比估计占更多共计节目费用五分之一(Knapp & Seaks， 1992)。