Table 3. Point-biserial correlation coefficients for discrete variables (N = 24,449).
| Subgrade | Interest rate | House: Own | House: Mortgage | House: Rent | House: Other | Wedding | Credit card | Car loan | Major purchase | Home improve-ment | Debt consoled-ation | House | Vacation | Other | Medical | Moving | Renew-able energy | Educational | Small business | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Subgrade | 1 | -.969 | .018 | .118 | -.124 | -.018 | .004 | .031 | .086 | .072 | .072 | -.104 | .005 | .022 | .003 | .017 | .006 | .011 | -.012 | -.087 |
| Interest rate | 1 | -.014 | -.130 | .133 | .019 | .002 | -.032 | -.089 | -.077 | -.072 | .101 | -.005 | -.023 | .011 | -.016 | -.001 | -.007 | .020 | .070 | |
| House: Own | 1 | -.247 | -.295 | -.019 | -.011 | -.037 | .019 | .030 | .040 | -.024 | .000 | .000 | .028 | .015 | -.013 | .007 | -.008 | -.019 | ||
| House: Mortgage | 1 | -.845 | -.053 | -.034 | .015 | .006 | -.001 | .209 | -.065 | -.016 | -.015 | -.053 | -.007 | -.058 | .013 | -.027 | .036 | |||
| House: Rent | 1 | -.063 | .040 | .006 | -.016 | -.016 | -.227 | .078 | .016 | .016 | .037 | -.002 | .066 | -.016 | .030 | -.027 | ||||
| House: Other | 1 | -.006 | -.002 | -.005 | .003 | -.005 | -.004 | .001 | -.007 | .003 | .007 | -.008 | -.003 | .011 | .020 | |||||
| Wedding | 1 | -.062 | -.031 | -.042 | -.046 | -.145 | -.015 | -.017 | -.057 | -.022 | -.021 | -.008 | -.018 | -.034 | ||||||
| Credit card | 1 | -.074 | -.102 | -.110 | -.347 | -.037 | -.041 | -.137 | -.052 | -.051 | -.020 | -.043 | -.082 | |||||||
| Car loan | 1 | -.050 | -.054 | -.172 | -.018 | -.020 | -.068 | -.026 | -.025 | -.010 | -.021 | -.041 | ||||||||
| Major purchase | 1 | -.074 | -.236 | -.025 | -.028 | -.093 | -.035 | -.034 | -.013 | -.029 | -.056 | |||||||||
| Home improvement | 1 | -.255 | -.027 | -.030 | -.100 | -.038 | -.037 | -.014 | -.032 | -.060 | ||||||||||
| Debt consolidation | 1 | -.086 | -.096 | -.317 | -.121 | -.118 | -.046 | -.100 | -.190 | |||||||||||
| House | 1 | -.010 | -.034 | -.013 | -.013 | -.005 | -.011 | -.020 | ||||||||||||
| Vacation | 1 | -.038 | -.014 | -.014 | -.005 | -.012 | -.023 | |||||||||||||
| Other | 1 | -.048 | -.046 | -.018 | -.039 | -.075 | ||||||||||||||
| Medical | 1 | -.018 | -.007 | -.015 | -.029 | |||||||||||||||
| Moving | 1 | -.007 | -.015 | -.028 | ||||||||||||||||
| Renewable energy | 1 | -.006 | -.011 | |||||||||||||||||
| Educational | 1 | -.024 | ||||||||||||||||||
| Small business | 1 |