Public Policy Report: UC Student Default Python Model: The Council For Education (CED)

Public Policy Report:
UC Student Default
Python Model
The Council for Education (CED)
Publication Date: October 3, 2017
The CED is registered with the Nevada Secretary of State as a Non-Profit Corporation.
NV Business ID: NV20171702562
EIN: 205036299
13337 South St., 416 t. 800-307-1076 x 101 director@CforED.com
Cerritos, CA 90703 f. 877-459-7907 http://CforED.com
Copyright Protected 2017

10/3/2017 Student_Default_Model_janu_v2.0
In [1]: '''This project analyzes the changes in non-resident student enrollment in

University of California campuses and its effect on outstanding student loans,
default rates and other metrics'''
Out[1]: 'This project analyzes the changes in non-resident student enrollment in \nUniversity of California campuses and its effect on outstanding student loans, \ndefault rates and oth
er metrics'
In [2]: import pandas as pd
In [3]: import graphlab as gl
In [23]: fl = 'data/Input_For_Model_Data_filled_v10.csv'
In [24]: df1 = gl.SFrame(fl)
Finished parsing file /Users/janu1/anaconda/janu/My_Code/New_Prospects/HH-EDProject/data/Input_For_Model_Data_filled_v10.csv
Parsing completed. Parsed 18 lines in 0.038185 secs.
------------------------------------------------------
Inferred types from first 100 line(s) of file as
column_type_hints=[int,int,int,int,int,str,float,float,str,float]
If parsing fails due to incorrect types, you can correct
the inferred type list above and pass it to read_csv in
the column_type_hints argument
------------------------------------------------------
Finished parsing file /Users/janu1/anaconda/janu/My_Code/New_Prospects/HH-EDProject/data/Input_For_Model_Data_filled_v10.csv
Parsing completed. Parsed 18 lines in 0.012845 secs.
file:///C:/Users/admin/Google%20Drive/financials/______deliverables/batch%2016%20+/Student_Default_Model_janu_v2.0.html 1/19
In [25]: print(df1)
+----+------+-------------------------------+-------------------------------+-------------------------------+
| X1 | Year | Number of Residential UC ... | Number of Non Residential ... | Percentage of UC Students... |
+----+------+-------------------------------+-------------------------------+-------------------------------+
| 0 | 1999 | 128779 | 7879 | 6 |
| 1 | 2000 | 132458 | 8479 | 6 |
| 2 | 2001 | 138735 | 8952 | 6 |
| 3 | 2002 | 145702 | 8845 | 6 |
| 4 | 2003 | 150177 | 8867 | 6 |
| 5 | 2004 | 149630 | 8422 | 5 |
| 6 | 2005 | 150777 | 7953 | 5 |
| 7 | 2006 | 154950 | 8024 | 5 |
| 8 | 2007 | 159055 | 8272 | 5 |
| 9 | 2008 | 163773 | 9000 | 5 |
+----+------+-------------------------------+-------------------------------+-------------------------------+
+-------------------------------+-------------------------------+-------------------------------+
| National Cohort Default R... | Total Volume of Student Lo... | Total Volume of Default St... |
+-------------------------------+-------------------------------+-------------------------------+
| 5.60% | 31582873484.0 | 1768640915.1 |
| 5.90% | 33176168436.0 | 1957393937.72 |
| 5.40% | 36387561831.0 | 1964928338.87 |
| 5.20% | 41872392524.0 | 2177364411.25 |
| 4.50% | 47989697452.0 | 2159536385.34 |
| 5.10% | 53115729625.0 | 2708902210.88 |
| 4.60% | 56288062618.0 | 2589250880.43 |
| 5.20% | 60335198802.0 | 3137430337.7 |
| 6.70% | 68891841340.0 | 4615753369.78 |
| 7.00% | 85279308917.0 | 5969551624.19 |
+-------------------------------+-------------------------------+-------------------------------+
+-------------------------------+-------+
| UC Overcharges / NonReside... | DRate |
+-------------------------------+-------+
| Data Not Available | 0.056 |
| $227,000,000.00 | 0.052 |
| $225,000,000.00 | 0.067 |
| $250,000,000.00 | 0.07 |
+-------------------------------+-------+
[18 rows x 10 columns]
Note: Only the head of the SFrame is printed.
You can use print_rows(num_rows=m, num_columns=n) to print more rows and columns.
In [26]: pd1 = pd.read_csv(fl)
In [27]: pd1.columns
Out[27]: Index([u'Unnamed: 0', u'Year', u'Number of Residential UC Students',

u'Number of Non Residential UC Students',
u'Percentage of UC Students Who are Non Resident',
u'National Cohort Default Rate - by Fiscal Year',
u'Total Volume of Student Loans Disbursements',
u'Total Volume of Default Student Loans',
u'UC Overcharges / NonResident Supplemental Tuition Revenue', u'DRate'],
dtype='object')
In [28]: pd1= pd1.drop('Unnamed: 0',axis=1);
In [159]: pd1
Out[159]: Number of Number of Non Total Volume of

Percentage of UC Students National Cohort Default Total Volume of Student UC Overcharges / NonResident
Year Residential UC Residential UC Default Student DRate
Who are Non Resident Rate - by Fiscal Year Loans Disbursements Supplemental Tuition Revenue
Students Students Loans
0 1999 128779 7879 6 5.60% 3.158287e+10 1.768641e+09 Data Not Available 0.056
7 2006 154950 8024 5 5.20% 6.033520e+10 3.137430e+09 $227,000,000.00 0.052
8 2007 159055 8272 5 6.70% 6.889184e+10 4.615753e+09 $225,000,000.00 0.067
9 2008 163773 9000 5 7.00% 8.527931e+10 5.969552e+09 $250,000,000.00 0.070
10 2009 167900 9552 5 8.80% 9.982474e+10 8.784577e+09 $271,000,000.00 0.088
11 2010 168622 10623 6 13.40% 1.053435e+11 1.411603e+10 $302,000,000.00 0.134
12 2011 167890 13307 7 14.70% 1.060879e+11 1.559492e+10 $325,000,000.00 0.147
13 2012 166269 16929 9 13.70% 1.017199e+11 1.393562e+10 $406,000,000.00 0.137
14 2013 166254 21754 11 11.80% 1.001591e+11 1.181877e+10 $497,000,000.00 0.118
15 2014 168624 26188 14 11.30% 9.645762e+10 1.089971e+10 $620,000,000.00 0.113
Data will be available in

16 2015 168134 30732 15 9.443679e+10 NaN $728,000,000.00 0.000
2018*
Data will be available in

17 2016 175495 34673 17 NaN NaN $971,329,422.00 0.000
2019*
In [29]: pd1.set_index(keys='Year',drop = True,inplace = True);
In [31]: pd1=pd1.dropna();
pd1
Out[31]: Number of Number of Non Total Volume of

Percentage of UC Students National Cohort Default Total Volume of Student UC Overcharges / NonResident
Residential UC Residential UC Default Student DRate
Who are Non Resident Rate - by Fiscal Year Loans Disbursements Supplemental Tuition Revenue
Students Students Loans
Year
1999 128779 7879 6 5.60% 3.158287e+10 1.768641e+09 Data Not Available 0.056
2006 154950 8024 5 5.20% 6.033520e+10 3.137430e+09 $227,000,000.00 0.052
2007 159055 8272 5 6.70% 6.889184e+10 4.615753e+09 $225,000,000.00 0.067
2008 163773 9000 5 7.00% 8.527931e+10 5.969552e+09 $250,000,000.00 0.070
2009 167900 9552 5 8.80% 9.982474e+10 8.784577e+09 $271,000,000.00 0.088
2010 168622 10623 6 13.40% 1.053435e+11 1.411603e+10 $302,000,000.00 0.134
2011 167890 13307 7 14.70% 1.060879e+11 1.559492e+10 $325,000,000.00 0.147
2012 166269 16929 9 13.70% 1.017199e+11 1.393562e+10 $406,000,000.00 0.137
2013 166254 21754 11 11.80% 1.001591e+11 1.181877e+10 $497,000,000.00 0.118
2014 168624 26188 14 11.30% 9.645762e+10 1.089971e+10 $620,000,000.00 0.113
In [32]: %matplotlib inline

import numpy as np
import matplotlib.pyplot as plt
In [33]: fig, axes = plt.subplots(3, 2, figsize=(15,15));

pd1.plot(subplots=True, ax=axes, sharex=False, sharey=False);
In [164]: from pandas import scatter_matrix;
In [165]: scatter_matrix(pd1, alpha=0.2, figsize=(6, 6), diagonal='kde')
Out[165]: array([[<matplotlib.axes._subplots.AxesSubplot object at 0x12a6e8e10>,

<matplotlib.axes._subplots.AxesSubplot object at 0x12af249d0>,
<matplotlib.axes._subplots.AxesSubplot object at 0x12a95cc90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x12a655fd0>,
<matplotlib.axes._subplots.AxesSubplot object at 0x124b42e10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x12a3a8d50>],
[<matplotlib.axes._subplots.AxesSubplot object at 0x12b0f9c10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x12b1eda90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11b891190>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11ba26110>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11ba8e050>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11d7ecf90>],
[<matplotlib.axes._subplots.AxesSubplot object at 0x11d832110>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11dc9ee10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11dd21c90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11dd86e90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11df08d10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11df70a10>],
[<matplotlib.axes._subplots.AxesSubplot object at 0x11dffab10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11e6a7990>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11e717410>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11e79a290>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11e9152d0>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11ecb4250>],
[<matplotlib.axes._subplots.AxesSubplot object at 0x11ecec290>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11ed98fd0>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11ef3ee50>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11efaf150>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11f924f90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11f98dc90>],
[<matplotlib.axes._subplots.AxesSubplot object at 0x11fb16d90>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11fb99c10>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11fc0a690>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11fc8c510>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11fcf1550>,
<matplotlib.axes._subplots.AxesSubplot object at 0x11fd734d0>]], dtype=object)
In [166]: fl2= 'Transformed_Datav2.csv'
In [167]: pd2 = pd.read_csv(fl2)
In [168]: pd2 = pd2.dropna()
In [169]: pd2
Out[169]:
Year Non_Residential_Count Non_Residential_Percent Default_Rate_Percent Student_Loans_Disbursements Default_Student_Loans_in_1000000_$
0 1999-2002 34155 6.00 5.53 $143,000,000,000.00 $7,908,950,494.00
1 2003-2006 33266 5.25 4.85 $218,000,000,000.00 $10,559,841,392.00
2 2007-2010 37447 5.25 8.98 $359,000,000,000.00 $32,268,679,001.00
3 2011-2014 78178 10.25 12.88 $404,000,000,000.00 $52,089,862,755.00
In [170]: pd2.iloc[0]['Default_Rate_Percent']
Out[170]: 5.5300000000000002
In [171]: Class = []
for index,row in pd2.iterrows():
if (row['Default_Rate_Percent'] < 5.0):
Class.append('Low')
elif(row['Default_Rate_Percent'] > 10.0):
Class.append('High')
else:
Class.append ('Moderate')
print(Class)
['Moderate', 'Low', 'Moderate', 'High']
In [172]: pd2['Default_Class'] = Class; pd2
Out[172]: Year Non_Residential_Count Non_Residential_Percent Default_Rate_Percent Student_Loans_Disbursements Default_Student_Loans_in_1000000_$ Default_Class
0 1999-2002 34155 6.00 5.53 $143,000,000,000.00 $7,908,950,494.00 Moderate
1 2003-2006 33266 5.25 4.85 $218,000,000,000.00 $10,559,841,392.00 Low
2 2007-2010 37447 5.25 8.98 $359,000,000,000.00 $32,268,679,001.00 Moderate
3 2011-2014 78178 10.25 12.88 $404,000,000,000.00 $52,089,862,755.00 High
In [173]: df2 = gl.SFrame(pd2); df2
Out[173]: Student_Loans_Disbursemen
Year Non_Residential_Count Non_Residential_Percent Default_Rate_Percent
ts ...
1999-2002 34155 6.0 5.53 $143,000,000,000.00
2003-2006 33266 5.25 4.85 $218,000,000,000.00
2007-2010 37447 5.25 8.98 $359,000,000,000.00
2011-2014 78178 10.25 12.88 $404,000,000,000.00
Default_Student_Loans_in_
Default_Class
1000000_$ ...
$7,908,950,494.00 Moderate
$10,559,841,392.00 Low
$32,268,679,001.00 Moderate
$52,089,862,755.00 High
In [174]: model = gl.logistic_classifier.create(df2, target= 'Default_Class',

features = ['Non_Residential_Percent','Non_Residential_Count'])
Logistic regression:
--------------------------------------------------------
Number of examples : 4
Number of classes : 3
Number of feature columns : 2
Number of unpacked features : 2
Number of coefficients : 6
Starting Newton Method
--------------------------------------------------------
+-----------+----------+--------------+-------------------+
| Iteration | Passes | Elapsed Time | Training-accuracy |
+-----------+----------+--------------+-------------------+
| 1 | 2 | 0.050926 | 0.750000 |
| 2 | 3 | 0.051541 | 0.750000 |
| 3 | 4 | 0.052005 | 0.750000 |
+-----------+----------+--------------+-------------------+
SUCCESS: Optimal solution found.
In [175]: model.evaluate(df2)
Out[175]: {'accuracy': 0.75, 'auc': 0.9166666666666666, 'confusion_matrix': Columns:

target_label str
predicted_label str
count int
Rows: 3
Data:
+--------------+-----------------+-------+
| target_label | predicted_label | count |
+--------------+-----------------+-------+
| Moderate | Moderate | 2 |
| High | High | 1 |
| Low | Moderate | 1 |
+--------------+-----------------+-------+
[3 rows x 3 columns], 'f1_score': 0.6, 'log_loss': 0.5560577881480753, 'precision': 0.8333333333333333, 'recall': 0.6666666666666666, 'roc_curve': Columns:
threshold float
fpr float
tpr float
p int
n int
class int
Rows: 300003
Data:
+-----------+-----+-----+---+---+-------+
| threshold | fpr | tpr | p | n | class |
+-----------+-----+-----+---+---+-------+
| 0.0 | 1.0 | 1.0 | 1 | 3 | 0 |
| 1e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 2e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 3e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 4e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 5e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 6e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 7e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 8e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
| 9e-05 | 1.0 | 1.0 | 1 | 3 | 0 |
+-----------+-----+-----+---+---+-------+
Note: Only the head of the SFrame is printed.
You can use print_rows(num_rows=m, num_columns=n) to print more rows and columns.}
In [178]: '''The above results show that the model can predict the level of default rate accuracy': 0.75
and 'precision': 0.83 using the features = ['Non_Residential_Percent','Non_Residential_Count']
For this sample data set this proves the predictive power of these features '''
Out[178]: "The above results show that the model can predict the level of default rate accuracy': 0.75 \nand 'precision': 0.83 using the features = ['Non_Residential_Percent','Non_Reside
ntial_Count']\nFor this sample data set this proves the predictive "
In [49]: ''' The table and the graphs below show the growth of revenue from Non-resident students in UC-campuses and
Campuswide from 2005-2016 '''
Out[49]: ' The table and the graphs below show the growth of revenue from Non-resident students in UC-campuses and \nCampuswide from 2005-2016 '
In [50]: fl3 = 'UCOP_non_resident_Revenue_breakdown.csv'

pd3 = pd.read_csv(fl2); pd3
Out[50]: Year Session Non-Resident Total Tuition UC Berkeley UC Davis UCLA UCIrvine UCSanDiego UCSantaBarbara UCRiverside UCMerced UCSantaCruz UCSFO
0 2005 2004-05 236131 62528 24976 50293 24976 27803 22273 10255 0 10646 2381
1 2006 2005-06 236533 62909 22076 48870 23981 27745 21709 9990 4927 12007 2319
2 2007 2006-07 230830 61208 22165 52692 21776 29654 20561 9701 422 10407 2244
3 2008 2007-08 254241 65977 24272 58424 24440 33225 23071 10588 773 10600 2871
4 2009 2008-09 276891 72438 26350 68053 25681 35473 23338 11530 1400 10061 2567
5 2010 2009-10 305236 80961 28247 77067 25407 42088 24170 12093 1871 10500 2832
6 2011 2010-11 332975 96678 30459 84897 26612 46406 23849 11070 1882 8404 2718
7 2012 2011-12 433041 131451 36557 105286 38344 62125 28637 14266 2927 10395 3053
8 2013 2012-13 534540 145806 46518 132155 51274 81743 39967 18603 4476 11087 2911
9 2014 2013-14 656418 174014 60924 157077 69280 104448 45419 20454 6307 15200 3295
10 2015 2014-15 769998 185960 78779 176958 87971 126933 54559 23338 8013 24388 3099
11 2016 2015-16 938080 202918 106679 201946 120037 164644 68822 24266 11776 34004 2988
In [51]: pd3.set_index(keys='Year',drop = True,inplace = True);

pd3 = pd3.dropna()
In [61]: pd3
Out[61]: Session Non-Resident Total Tuition UC Berkeley UC Davis UCLA UCIrvine UCSanDiego UCSantaBarbara UCRiverside UCMerced UCSantaCruz UCSFO
Year
2005 2004-05 236131 62528 24976 50293 24976 27803 22273 10255 0 10646 2381
2006 2005-06 236533 62909 22076 48870 23981 27745 21709 9990 4927 12007 2319
2007 2006-07 230830 61208 22165 52692 21776 29654 20561 9701 422 10407 2244
2008 2007-08 254241 65977 24272 58424 24440 33225 23071 10588 773 10600 2871
2009 2008-09 276891 72438 26350 68053 25681 35473 23338 11530 1400 10061 2567
2010 2009-10 305236 80961 28247 77067 25407 42088 24170 12093 1871 10500 2832
2011 2010-11 332975 96678 30459 84897 26612 46406 23849 11070 1882 8404 2718
2012 2011-12 433041 131451 36557 105286 38344 62125 28637 14266 2927 10395 3053
2013 2012-13 534540 145806 46518 132155 51274 81743 39967 18603 4476 11087 2911
2014 2013-14 656418 174014 60924 157077 69280 104448 45419 20454 6307 15200 3295
2015 2014-15 769998 185960 78779 176958 87971 126933 54559 23338 8013 24388 3099
2016 2015-16 938080 202918 106679 201946 120037 164644 68822 24266 11776 34004 2988
In [58]: fig2, axes = plt.subplots(11, 1, figsize=(15,15));

pd3.plot(subplots=True, ax=axes, sharex=False, sharey=False);
In [63]: pd3.columns
Out[63]: Index([u'Session', u'Non-Resident Total Tuition', u'UC Berkeley', u'UC Davis',

u'UCLA', u'UCIrvine', u'UCSanDiego', u'UCSantaBarbara', u'UCRiverside',
u'UCMerced', u'UCSantaCruz', u'UCSFO'],
dtype='object')
In [67]: plt.figure(); pd3.plot(figsize=(15,15))
Out[67]: <matplotlib.axes._subplots.AxesSubplot at 0x124e69bd0>

<matplotlib.figure.Figure at 0x126c1f710>
In [ ]:

Public Policy Report: UC Student Default Python Model: The Council For Education (CED)

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NV Business ID: NV20171702562

Copyright Protected 2017

In [1]: '''This project analyzes the changes in non-resident student enrollment in

In [2]: import pandas as pd

In [3]: import graphlab as gl

In [24]: df1 = gl.SFrame(fl)

Finished parsing file /Users/janu1/anaconda/janu/My_Code/New_Prospects/HH-EDProject/data/Input_For_Model_Data_filled_v10.csv

Parsing completed. Parsed 18 lines in 0.038185 secs.

Finished parsing file /Users/janu1/anaconda/janu/My_Code/New_Prospects/HH-EDProject/data/Input_For_Model_Data_filled_v10.csv

Parsing completed. Parsed 18 lines in 0.012845 secs.

In [26]: pd1 = pd.read_csv(fl)

Out[27]: Index([u'Unnamed: 0', u'Year', u'Number of Residential UC Students',

In [28]: pd1= pd1.drop('Unnamed: 0',axis=1);

Out[159]: Number of Number of Non Total Volume of

7 2006 154950 8024 5 5.20% 6.033520e+10 3.137430e+09 $227,000,000.00 0.052

8 2007 159055 8272 5 6.70% 6.889184e+10 4.615753e+09 $225,000,000.00 0.067

9 2008 163773 9000 5 7.00% 8.527931e+10 5.969552e+09 $250,000,000.00 0.070

10 2009 167900 9552 5 8.80% 9.982474e+10 8.784577e+09 $271,000,000.00 0.088

11 2010 168622 10623 6 13.40% 1.053435e+11 1.411603e+10 $302,000,000.00 0.134

12 2011 167890 13307 7 14.70% 1.060879e+11 1.559492e+10 $325,000,000.00 0.147

13 2012 166269 16929 9 13.70% 1.017199e+11 1.393562e+10 $406,000,000.00 0.137

14 2013 166254 21754 11 11.80% 1.001591e+11 1.181877e+10 $497,000,000.00 0.118

15 2014 168624 26188 14 11.30% 9.645762e+10 1.089971e+10 $620,000,000.00 0.113

Data will be available in

Data will be available in

In [29]: pd1.set_index(keys='Year',drop = True,inplace = True);

Out[31]: Number of Number of Non Total Volume of

2006 154950 8024 5 5.20% 6.033520e+10 3.137430e+09 $227,000,000.00 0.052

2007 159055 8272 5 6.70% 6.889184e+10 4.615753e+09 $225,000,000.00 0.067

2008 163773 9000 5 7.00% 8.527931e+10 5.969552e+09 $250,000,000.00 0.070

2009 167900 9552 5 8.80% 9.982474e+10 8.784577e+09 $271,000,000.00 0.088

2010 168622 10623 6 13.40% 1.053435e+11 1.411603e+10 $302,000,000.00 0.134

2011 167890 13307 7 14.70% 1.060879e+11 1.559492e+10 $325,000,000.00 0.147

2012 166269 16929 9 13.70% 1.017199e+11 1.393562e+10 $406,000,000.00 0.137

2013 166254 21754 11 11.80% 1.001591e+11 1.181877e+10 $497,000,000.00 0.118

2014 168624 26188 14 11.30% 9.645762e+10 1.089971e+10 $620,000,000.00 0.113

In [32]: %matplotlib inline

In [33]: fig, axes = plt.subplots(3, 2, figsize=(15,15));

In [164]: from pandas import scatter_matrix;

In [165]: scatter_matrix(pd1, alpha=0.2, figsize=(6, 6), diagonal='kde')

Out[165]: array([[<matplotlib.axes._subplots.AxesSubplot object at 0x12a6e8e10>,

In [166]: fl2= 'Transformed_Datav2.csv'

In [167]: pd2 = pd.read_csv(fl2)

In [168]: pd2 = pd2.dropna()

0 1999-2002 34155 6.00 5.53 $143,000,000,000.00 $7,908,950,494.00

1 2003-2006 33266 5.25 4.85 $218,000,000,000.00 $10,559,841,392.00

2 2007-2010 37447 5.25 8.98 $359,000,000,000.00 $32,268,679,001.00

3 2011-2014 78178 10.25 12.88 $404,000,000,000.00 $52,089,862,755.00

['Moderate', 'Low', 'Moderate', 'High']

In [172]: pd2['Default_Class'] = Class; pd2

Out[172]: Year Non_Residential_Count Non_Residential_Percent Default_Rate_Percent Student_Loans_Disbursements Default_Student_Loans_in_1000000_$ Default_Class

0 1999-2002 34155 6.00 5.53 $143,000,000,000.00 $7,908,950,494.00 Moderate

1 2003-2006 33266 5.25 4.85 $218,000,000,000.00 $10,559,841,392.00 Low

2 2007-2010 37447 5.25 8.98 $359,000,000,000.00 $32,268,679,001.00 Moderate

3 2011-2014 78178 10.25 12.88 $404,000,000,000.00 $52,089,862,755.00 High

In [173]: df2 = gl.SFrame(pd2); df2

1999-2002 34155 6.0 5.53 $143,000,000,000.00

2003-2006 33266 5.25 4.85 $218,000,000,000.00

2007-2010 37447 5.25 8.98 $359,000,000,000.00

2011-2014 78178 10.25 12.88 $404,000,000,000.00

In [174]: model = gl.logistic_classifier.create(df2, target= 'Default_Class',

Number of feature columns : 2