bad_ar,gender,education,marital_status,age_decile,outstanding_balance,pay_this_month,no_activity_this_month,last_payment_portion,num_recent_payments,credit_limit
1,female,2-university,married,20,0.03913,2,0,1.0,1,0.2
1,female,2-university,single,20,0.02682,0,0,0.37285607755406414,4,1.2
0,female,2-university,single,30,0.27721,0,0,0.10821986169530191,6,0.9
0,female,2-university,married,30,0.4499,0,0,0.041465386768395084,6,0.5
0,male,2-university,married,50,0.06617,0,0,0.3527336860670194,6,0.5
0,male,4-graduate school,single,30,0.619,0,0,0.043806620056422926,6,0.5
0,male,4-graduate school,single,20,3.12965,0,0,0.13348769364817012,6,5.0
0,female,2-university,single,20,0.11496,0,0,1.0,5,1.0
0,female,1-high school,married,20,0.07956,0,0,0.23616628830874006,5,1.4
0,male,1-high school,single,30,0.0,0,1,1.0,2,0.2
0,female,1-high school,single,30,0.08767,0,0,0.2356186778379483,6,2.0
0,female,4-graduate school,single,50,0.0,0,0,1.0068297185048454,5,2.6
0,female,2-university,single,40,0.11137,0,0,0.15384615384615385,5,6.3
1,male,2-university,single,30,0.62602,1,0,0.04749959180038296,4,0.7
0,male,4-graduate school,single,20,0.67887,0,0,0.044736057262153295,6,2.5
0,female,1-high school,divorced,20,0.50614,1,0,0.05335040546308152,5,0.5
1,male,4-graduate school,single,20,0.12176,0,0,0.1776790671848973,3,0.2
0,male,4-graduate school,married,40,2.42928,0,0,0.04201414803517539,6,3.2
0,female,4-graduate school,married,40,0.0,1,0,0.0,0,3.6
0,female,4-graduate school,single,20,0.0,1,0,0.0,0,1.8
0,female,1-high school,single,30,0.35358,0,0,0.1083501878069922,6,1.3
1,female,2-university,married,30,0.0,0,0,1.0,4,1.2
1,female,2-university,single,20,0.3908,2,0,0.0472847214041701,4,0.7
1,female,4-graduate school,married,40,0.0,0,1,1.0004119464469619,4,4.5
0,male,4-graduate school,single,20,0.0,0,0,0.8142857142857143,5,0.9
0,male,1-high school,single,20,0.45647,0,0,0.047189667543649845,6,0.5
1,male,4-graduate school,single,20,0.0,1,0,2.0,3,0.6
0,female,1-high school,single,30,0.21241,0,0,0.0805552113025158,6,0.5
0,female,1-high school,married,40,0.0,0,0,1.0,5,0.5
0,male,4-graduate school,single,20,0.13829,0,0,0.09049773755656108,5,0.5
0,female,4-graduate school,single,20,0.0,0,0,1.0002896032435564,5,2.3
1,male,2-university,single,30,0.288,2,0,0.05800526706732392,6,0.5
0,male,4-graduate school,single,30,0.90013,0,0,0.03595770241819415,6,1.0
0,female,2-university,married,50,0.06777,0,1,1.0,6,5.0
0,male,4-graduate school,married,50,0.08703,0,1,1.0,5,5.0
0,male,4-graduate school,single,30,0.30134,0,0,0.0,5,1.6
0,male,2-university,married,40,1.78477,0,0,0.04426233124503662,6,2.8
0,female,2-university,single,20,0.13554,0,0,0.1529675708749745,5,0.6
1,male,4-graduate school,single,20,0.0,1,0,1.0,1,0.5
0,male,4-graduate school,single,30,0.0,0,0,1.0,5,2.8
0,male,4-graduate school,single,30,2.08668,0,0,0.045188345022051914,6,3.6
0,female,4-graduate school,single,20,0.64521,0,0,0.04477678771324945,6,0.7
0,male,2-university,single,20,0.00377,0,0,0.47110552763819097,6,0.1
0,female,2-university,married,30,0.56504,0,0,0.04874561289483947,6,1.4
0,female,4-graduate school,single,30,0.15927,0,0,0.1408781404085466,4,0.4
1,male,4-graduate school,single,20,0.0,0,1,0.0,0,2.1
1,female,4-graduate school,single,20,0.11028,0,0,0.18199466148992963,3,0.2
1,female,5-phd,single,40,0.0345,0,0,0.3338826631509558,2,1.5
0,male,2-university,single,30,0.00861,0,0,1.0,6,3.8
0,male,4-graduate school,single,20,0.16129,0,0,0.0713242058552952,6,0.2
1,male,1-high school,single,40,0.37042,1,0,0.08082388215356538,4,0.7
0,female,1-high school,divorced,40,0.59559,0,0,0.03909074917420793,6,1.0
0,female,2-university,married,40,0.0559,0,1,1.0010169060633023,5,3.1
0,female,4-graduate school,single,20,0.40102,1,0,0.031143692204494273,6,1.8
0,female,4-graduate school,single,20,0.44624,2,0,0.045723430400365785,6,1.5
0,female,4-graduate school,married,40,0.0,0,1,1.0,4,5.0
0,female,1-high school,married,30,0.07886,0,0,0.5382131324004306,6,1.8
0,female,2-university,married,30,1.67803,0,0,0.04660401291512915,6,1.8
0,female,4-graduate school,single,30,0.01587,0,0,0.6003430531732419,2,2.0
0,female,2-university,married,20,3.83134,0,0,0.04262179176998272,6,4.0
1,female,1-high school,married,20,0.21332,0,0,0.06413402149081987,6,5.0
0,male,2-university,married,30,0.66775,0,0,0.055856230918678876,5,0.7
1,male,4-graduate school,single,20,0.24987,2,0,0.10153811439960889,3,0.5
1,female,2-university,married,40,0.27718,0,0,0.03428649797709662,1,0.5
0,female,2-university,married,50,0.00099,0,0,1.0,1,1.3
1,male,4-graduate school,married,50,1.52519,0,1,1.0058722779544897,3,2.0
1,male,2-university,married,50,0.0,2,0,0.548533269735273,5,0.1
0,female,4-graduate school,single,30,0.0,2,0,1.0,6,2.1
0,female,1-high school,single,20,0.0,1,0,1.9552904664920958,3,1.3
0,male,5-phd,single,20,0.18565,2,0,0.06942435637836274,4,0.2
0,male,4-graduate school,single,30,0.0078,0,0,1.0,5,0.8
1,male,2-university,single,20,0.55767,2,0,0.04219694156567532,5,3.2
0,female,2-university,married,30,0.03258,0,0,1.0053568342837393,6,2.0
0,female,4-graduate school,single,30,0.0,1,0,1.0,2,2.9
0,male,4-graduate school,single,30,0.0,0,0,1.0293693693693693,6,3.4
0,male,2-university,single,20,0.11769,0,0,0.16554368029739777,4,0.2
0,male,1-high school,single,20,0.41079,0,0,0.04725319006044325,6,0.5
0,female,4-graduate school,married,40,0.0,0,0,1.0,6,3.0
1,female,2-university,single,20,0.26701,0,0,0.05693637714440092,5,0.3
1,female,2-university,single,40,0.0,1,0,0.0,0,2.4
0,female,1-high school,divorced,30,1.58854,0,0,0.04056178066217107,6,4.7
0,female,4-graduate school,single,20,0.18615,0,0,0.1725428119153835,6,3.6
1,male,1-high school,single,30,0.24748,0,0,0.057369589749190056,5,0.6
0,female,2-university,married,40,1.20895,0,0,0.07694520350927657,6,4.0
0,female,1-high school,single,40,0.47233,0,0,0.035016609907444166,6,0.5
0,male,2-university,single,30,1.25628,0,0,0.04081329771445533,6,1.6
1,female,4-graduate school,married,40,0.0,0,0,1.0,4,3.6
0,female,2-university,single,30,0.02679,0,0,0.24142285834561145,5,1.6
0,female,4-graduate school,married,30,0.41313,0,0,0.33936843534182887,6,1.3
0,male,1-high school,single,40,0.08583,2,0,0.17107035540358512,4,0.2
1,male,4-graduate school,married,50,1.3188,2,0,0.04475258215295438,6,2.0
0,female,4-graduate school,single,30,0.07524,0,0,1.0,1,2.8
0,female,4-graduate school,single,20,0.0,0,1,1.36003600360036,1,1.0
0,female,2-university,married,30,0.0,0,0,1.0,4,1.6
0,female,2-university,single,20,0.43711,0,0,0.04134471718249733,6,0.6
0,male,2-university,single,30,0.80104,0,0,0.04210660960974929,6,0.9
0,male,4-graduate school,married,40,0.0,0,0,1.0020427781783225,5,3.6
0,male,4-graduate school,single,20,0.81978,0,0,0.04681330422260417,6,1.5
0,female,1-high school,married,20,0.17311,0,0,0.07769823788546255,6,0.5
1,male,2-university,married,30,0.16274,0,0,0.08772654515412816,5,0.2
0,male,4-graduate school,single,30,0.0,0,1,1.0,5,1.4
0,female,4-graduate school,single,30,0.0,0,1,0.0,6,3.8
0,male,4-graduate school,married,60,4.05991,0,0,0.03727436697562491,5,4.8
1,female,1-high school,single,20,0.42931,0,0,0.04181852605670469,6,0.5
0,female,2-university,single,20,0.56685,2,0,0.08449514152936206,5,0.6
0,female,2-university,single,20,0.0558,0,0,1.0,2,0.7
0,female,2-university,married,30,0.03247,0,0,1.0,6,0.8
0,male,4-graduate school,single,50,0.0,0,0,1.0,6,3.5
0,male,2-university,single,30,1.6053,0,0,0.06114966756735545,5,1.3
0,male,2-university,married,30,0.0,1,0,0.0,0,3.6
0,female,4-graduate school,married,30,0.96619,0,0,0.08539993175383423,4,3.3
0,male,1-high school,married,40,0.11244,0,0,0.13585110718652357,6,0.5
0,male,2-university,married,40,1.29173,2,0,0.046920567089192386,4,2.8
0,female,4-graduate school,single,20,0.50128,0,0,0.037956426022925684,6,1.0
0,male,2-university,single,40,0.17675,0,0,0.06945164299782315,6,0.5
1,male,4-graduate school,single,20,0.18199,0,0,0.07042026729644142,4,0.3
0,male,4-graduate school,single,20,0.0,0,0,1.0,6,2.4
1,male,2-university,single,20,0.12029,2,0,0.12909055702575356,6,0.8
0,male,2-university,married,30,0.09983,0,0,1.0011380095178979,6,4.0
0,female,2-university,single,30,0.48254,0,0,0.0388764700165225,6,2.4
1,male,1-high school,single,30,0.45004,2,0,0.021750478510527232,5,0.5
1,male,4-graduate school,married,40,0.0,1,0,0.0,0,4.5
0,female,4-graduate school,married,40,0.0,1,0,0.0,0,1.1
1,female,2-university,married,30,2.91972,2,0,0.041829053183525415,6,3.1
0,male,4-graduate school,single,20,0.17711,0,0,0.07404282248707943,5,0.2
0,male,2-university,single,20,0.0,1,0,0.0,0,0.2
0,male,1-high school,single,50,1.06583,0,0,0.03584848789309756,6,2.0
1,male,4-graduate school,married,30,1.59081,0,0,0.039983851849306834,6,1.8
1,male,2-university,married,50,0.02347,0,0,0.25647601949217746,6,0.5
0,male,1-high school,married,50,0.58017,3,0,0.04074857607811229,6,0.6
0,female,4-graduate school,single,20,0.0,1,0,1.0,6,0.3
0,male,4-graduate school,single,40,0.0,1,0,1.0,5,2.4
0,male,2-university,married,30,2.4371,0,0,0.03933108099926133,6,4.2
0,male,1-high school,married,40,2.19179,0,0,0.03589557491944263,6,3.3
0,female,2-university,single,20,0.26452,0,0,0.07649646203863071,4,0.3
0,male,2-university,married,30,0.09174,0,0,0.12463647694225176,4,2.4
0,male,4-graduate school,single,20,0.14944,0,0,0.12925240409471617,6,1.5
0,female,2-university,married,30,0.05666,0,0,0.1875703388770789,6,2.1
1,female,1-high school,married,50,0.00452,0,0,1.0,2,0.5
0,male,4-graduate school,single,20,0.48441,0,0,0.04706539297608839,6,0.5
1,male,4-graduate school,single,40,0.0,1,0,0.0,0,2.4
0,male,2-university,single,20,0.01832,0,0,0.5,5,1.8
0,male,2-university,single,20,0.09131,1,0,0.09231053263177329,6,0.5
0,male,2-university,single,20,0.02159,0,1,1.0,6,1.7
0,male,4-graduate school,single,20,0.0,0,0,1.0,6,0.2
0,male,4-graduate school,single,20,0.03999,0,0,0.16911889058007779,5,0.5
1,female,2-university,single,20,0.17608,0,0,0.08177029488504899,5,1.7
0,male,4-graduate school,single,30,1.89236,1,0,0.04540501271340356,6,2.0
0,female,2-university,married,20,0.07518,1,0,0.1568142938604828,4,0.8
0,female,4-graduate school,married,60,0.0,1,0,1.0514018691588785,3,2.6
0,male,2-university,married,30,0.83172,0,0,0.044214378951140235,5,1.4
0,male,4-graduate school,single,20,0.12444,0,0,0.538174512055109,6,0.8
0,male,4-graduate school,single,40,0.0,1,0,1.0,3,3.5
0,female,2-university,married,50,2.00733,0,0,0.04410200164518783,6,2.8
0,female,1-high school,single,20,0.07314,0,0,0.16336728810301748,6,0.3
0,male,4-graduate school,married,30,0.18944,0,0,0.17825947449106921,6,1.4
0,female,4-graduate school,single,30,1.0142,0,0,0.03888402838534072,6,2.0
0,female,1-high school,single,30,1.88731,0,0,0.03721774419683598,6,2.0
1,male,1-high school,married,40,1.05307,2,0,0.08525353121135194,6,2.1
0,male,1-high school,married,50,0.12854,3,0,0.11898564735628765,5,0.5
0,male,4-graduate school,single,40,0.20857,2,0,0.12749062033293265,4,0.3
0,male,2-university,single,20,0.0,2,0,1.0,5,0.5
0,male,1-high school,married,40,0.00838,0,0,1.0,5,2.9
0,female,4-graduate school,married,30,1.23229,0,0,0.1147152201354091,5,2.5
0,female,2-university,married,40,0.18148,0,0,0.12603453346216864,6,0.6
0,female,4-graduate school,single,20,0.9614,0,0,0.05248342001049668,6,1.1
0,male,4-graduate school,single,50,0.0,0,1,1.0167217448777264,6,3.7
0,male,2-university,married,20,0.99183,0,0,0.03269073900069181,5,1.0
0,female,2-university,married,30,0.68612,0,0,0.047390798061039345,5,0.9
0,female,2-university,single,20,0.2653,0,0,0.051904303588615426,6,0.5
0,male,2-university,single,30,0.32695,0,0,0.14971404617181183,6,2.7
0,female,4-graduate school,single,30,0.0,0,0,1.002439024390244,5,3.0
0,female,2-university,single,20,0.0,0,0,0.9821253191907288,5,0.5
1,female,4-graduate school,single,20,0.0,1,0,0.0,0,0.5
0,male,4-graduate school,single,20,0.0,1,0,1.0,1,3.6
1,male,1-high school,married,50,0.61617,1,0,0.045469702021886084,4,1.3
0,male,4-graduate school,single,30,0.05683,0,1,2.0,5,0.8
0,male,2-university,single,30,0.4886,1,0,0.031015445691954593,4,0.5
0,female,2-university,single,20,0.14789,0,0,0.09602281730312154,6,0.2
0,female,2-university,married,20,0.72083,0,0,0.07089511190426716,5,0.8
0,male,4-graduate school,single,30,0.0,0,0,0.5643765520355181,4,2.4
0,female,1-high school,single,30,0.37108,0,0,1.0070899129874316,6,0.8
0,female,4-graduate school,married,40,0.0,0,0,0.6329102480653793,6,5.0
1,female,2-university,married,20,0.55524,0,0,0.04318460555181289,6,0.6
0,male,2-university,single,20,0.09442,0,0,0.10276612143530016,5,0.2
1,female,2-university,married,30,0.14483,1,0,0.10441819487045617,4,1.0
0,female,4-graduate school,single,30,0.0,1,0,1.000175201920213,6,3.6
1,female,1-high school,single,40,1.91222,2,0,0.040473621191739716,5,2.0
0,female,2-university,married,30,0.0,1,0,1.0,6,1.3
0,female,2-university,single,30,0.21703,1,0,0.04659615115791436,2,0.2
0,male,4-graduate school,single,30,0.49881,0,0,0.16123063060163806,6,3.1
1,female,4-graduate school,single,20,0.18283,2,0,0.06595566914041381,5,0.6
0,female,4-graduate school,single,20,0.11187,0,0,1.0,4,1.8
0,female,4-graduate school,single,20,0.0,0,0,1.7144474125050935,2,1.8
0,male,2-university,married,30,0.4579,0,0,0.11041183614883515,6,0.5
1,female,4-graduate school,single,20,0.34266,1,0,0.0510917500268904,5,0.5
0,female,2-university,married,30,0.0,0,1,1.0,2,1.5
0,female,4-graduate school,single,20,0.17053,0,0,0.0771366862079605,6,0.2
0,female,4-graduate school,married,30,0.00274,0,1,1.0,6,5.0
1,female,1-high school,single,20,0.2801,1,0,0.03418102269619907,4,0.3
0,female,4-graduate school,married,30,0.0075,0,1,0.0,0,1.8
0,male,4-graduate school,single,30,0.02123,0,0,0.9157844609692662,4,1.4
0,female,4-graduate school,single,20,0.03424,0,0,0.5555555555555556,6,1.4
0,male,2-university,single,20,1.02314,0,0,0.04521695093056485,6,1.2
0,female,2-university,married,40,2.1733,0,0,0.03924477526975392,6,3.6
0,male,1-high school,married,40,0.0,0,0,1.0986683701046631,6,0.2
0,male,4-graduate school,married,40,0.0,0,0,1.0,5,1.0
1,female,2-university,married,40,0.01502,0,0,1.0,5,2.1
1,female,2-university,single,20,0.78425,0,0,0.03923780562572038,6,0.8
0,female,4-graduate school,married,50,0.04527,0,0,1.0018445930366613,5,3.3
0,male,4-graduate school,single,20,1.00607,0,0,0.04590651597087691,4,2.2
1,female,4-graduate school,married,30,0.0,1,0,1.0,4,2.1
0,female,1-high school,married,40,0.36557,0,0,0.04370067607516516,6,0.4
0,male,2-university,single,30,0.25311,0,0,0.10801195389213035,5,0.3
0,male,2-university,single,20,2.83573,2,0,0.04285902677040749,5,4.7
0,male,1-high school,married,40,0.0,0,0,1.0,4,0.3
1,female,2-university,married,30,0.0,1,0,0.0,0,2.4
0,male,2-university,single,30,0.76178,2,0,0.03948994280327639,6,0.8
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