def METHOD_NAME(file_path):
    print("[INFO] prepare loan data.")
    df_loan = pd.read_csv(file_path, low_memory=False)
    # print(f"[INFO] loaded loan data with shape:{df_loan.shape} to :{file_path}")
    df_loan = determine_good_bad_loan(df_loan)
    df_loan = determine_annual_income(df_loan)
    df_loan = determine_issue_year(df_loan)
    df_loan = digitize_columns(df_loan)
    df_loan = df_loan[df_loan["issue_year"] == 2018]
    return df_loan