Predicting Who Pays Back Loans

Context

The data being used for this analysis includes attributes of borrowers such as fico score, interest rate, purpose of loan and if the loan was paid off in full.

Content

The data is available from LendingClub. 2007-2010 data has been cleared of all NA values. It is also available in Machine Learning course by Jose Portilla.

Inspiration

Could I have set better gamma and cost values?