So I’m not an expert in programming and neither in statistics. I have basic udnerstanding and I am running into this problem that is not logical to me. I have been trying to fix it for 3 hours straight and don’t understand how anyone is supposed to solve this. I have a database of loans that defaulted or not defaulted. I want to predict probabilities of default (PD) for loans using three variables: EmploymentStatus, IsBorrowerHomeOwner and currentCreditLines.