. Author manuscript; available in PMC: 2018 Jul 14.

Published in final edited form as: Demography. 2014 Oct;51(5):1677–1701. doi: 10.1007/s13524-014-0333-6

Table 3.

Multinomial logistic regressions estimating the relationship between debt and transitioning into cohabitation versus marriage relative to remaining single, young adult men

Variables	Model A				Model B				Model C
	Cohabitation		Marriage		Cohabitation		Marriage		Cohabitation		Marriage
	(versus remaining single)				(versus remaining single)				(versus remaining single)
	OR	SE	OR	SE	OR	SE	OR	SE	OR	SE	OR	SE
Educational Attainment (ref. = high school)
Less than high school	0.830^*	0.065	0.541^***	0.089	0.835^*	0.065	0.547^***	0.090	0.827^*	0.065	0.540^***	0.089
Some college	0.811	0.120	1.007	0.234	0.815	0.120	1.014	0.236	0.825	0.122	1.041	0.241
Bachelor’s degree or more	0.821	0.084	1.291	0.194	0.816^*	0.084	1.263	0.192	0.809^*	0.083	1.260	0.191
Enrollment Status (ref. = imenrolled)
Enrolled in two-year program	0.630^***	0.066	0.737	0.143	0.626^***	0.065	0.744	0.145	0.638^***	0.067	0.753	0.147
Enrolled in four-year program	0.445^***	0.040	0.744^*	0.108	0.437^***	0.039	0.748^*	0.110	0.471^***	0.044	0.795	0.116
Labor Market Characteristics
Full-time employment	1.263^***	0.075	1.196	0.133	1.267^***	0.075	1.206	0.134	1.264^***	0.075	1.210	0.134
Annual earnings	1.187^*	0.098	0.865	0.119	1.184^*	0.096	0.865	0.117	1.179^*	0.095	0.863	0.115
Financial Status
Total value of all assets	1.046^*	0.021	1.206^***	0.058	1.046^*	0.021	1.203^***	0.058	1.045^*	0.021	1.202^***	0.058
No checking/savings account	1.172^*	0.084	0.828	0.115	1.184^*	0.091	0.783	0.115	1.217^*	0.097	0.806	0.123
Debt Measures
Total debt					1.018	0.010	1.001	0.016
No debt					0.845^**	0.050	0.777^*	0.081
Credit card debt									1.029^**	0.011	1.016	0.019
No credit card debt									0.833^**	0.052	0.780^*	0.085
Government/private education loan debt									0.978	0.015	0.970	0.025
No government/private education loan debt									0.960	0.061	0.851	0.093
Number of Person-Years 19,360	19,360				19,360				19,360
Number of Individuals 3,744	3,744				3,744				3,744

Notes: Additional controls include race, ethnicity, maternal and paternal education, rural/urban at age 12, parent’s marital status at 14, parent’s net worth, current rural/urban area, have a child, age, age squared, and dummy variables for birth year. Underlined values denote statistically significant differences between cohabitation and marriage at p < 0.05.

p < .05;

^**

p < .01;

^***

p < .001