Dataset Description $($download the data file named $$optivaoversampled$$ from Canvas$)$

Optiva Credit Union wants to better understand its personal lending process and its loan customers. The file Optivaoversampled contains over $20000$ customer observations with information on whether the customer defaulted on a loan, customer age, average checking account balance, whether the customer had a mortgage, the customer$$s job status, the customer$$s marital status, and the customer$$s level of education. We will use these data to demonstrate the use of supervised learning methods to classify customers who are likely to default.