On Science of Us, Seth Stephens-Davidowitz reports about predictors of loan repayment choices.
… language that potential borrowers use is a strong predictor of their probability of paying back. And it is an important indicator even if you control for other relevant information lenders were able to obtain about those potential borrowers, including credit ratings and income. …
Here are the phrases used in loan applications by people most likely to pay them back: debt-free, lower interest rate, after-tax, minimum payment, graduate.
And here are the phrases used by those least likely to pay back their loans: God, promise, will pay, thank you, hospital.