| extremely | 44 | degree |
| with credit counseling organizations | 15 | other |
| in making application | 15 | temporal |
| taxpayer → be → careful | 77 |
| taxpayer → be → cautious | 44 |
| taxpayer → be → wary | 11 |
| taxpayer → be → more cautious | 3 |
| negative | neutral | positive |
| 0.339 | 0.603 | 0.058 |
| Raw frequency | 135 |
| Normalized frequency | 0.743 |
| Modifier score | 0.850 |
| Perplexity | 20.121 |