Name      Descriptions
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y:        Number of major derogatory credit reports
cons:	  A column of scalar "1" to capture the intercept term
age:	  Age in years
age_sqr:  Squared ages
avgexp:   Average monthly credit card expenditures
inc_per:  Per Capita yearly income (divided by $10,000)
Ownrent:  1 if person owns a home, 0 if he/she rents