Table 5.
(1) | (2) | (3) | |
---|---|---|---|
Debtor (0,1) | 0.703** | 0.653** | 0.911*** |
(2.88) | (2.72) | (3.36) | |
Economic hardship | 1.375*** | 0.906*** | 1.228*** |
(5.33) | (3.45) | (3.57) | |
Sense of mastery | −1.155*** | −1.156*** | |
(−7.73) | (−7.74) | ||
Social support, family | −0.027 | −0.021 | |
(−0.15) | (−0.11) | ||
Social support, friend | 0.090 | 0.089 | |
(0.60) | (0.59) | ||
Debtor x economic hardship | −0.597 | ||
(−1.35) | |||
Household income, ln($) | 0.001 | 0.052 | 0.053 |
(0.01) | (0.56) | (0.57) | |
Assets, ln($) | −0.032 | 0.033 | 0.025 |
(−0.38) | (0.40) | (0.31) | |
Owns home (0,1) | 1.882 | 0.458 | 0.404 |
(0.79) | (0.21) | (0.19) | |
Value of home, ln($) | −0.163 | −0.050 | −0.046 |
(−0.98) | (−0.33) | (−0.30) | |
Education | −0.036 | −0.025 | −0.024 |
(−1.18) | (−0.82) | (−0.79) | |
Unemployed (vs. employed) | 1.376 | 1.175 | 1.179 |
(1.19) | (1.06) | (1.07) | |
Retired (vs. employed) | −0.146 | −0.178 | −0.162 |
(−0.44) | (−0.56) | (−0.51) | |
Out of labor force (vs. employed) | 0.769 | 0.586 | 0.589 |
(1.96) | (1.51) | (1.52) | |
Age | −0.007 | −0.016 | −0.016 |
(−0.71) | (−1.62) | (−1.63) | |
Female (0,1) | 0.015 | 0.017 | 0.037 |
(0.07) | (0.07) | (0.16) | |
African American (vs. white) | −1.288*** | −1.137*** | −1.163*** |
(−4.08) | (−3.61) | (−3.69) | |
Hispanic (vs. white) | −0.168 | −0.289 | −0.310 |
(−0.56) | (−0.97) | (−1.04) | |
Married (0,1) | 0.077 | −0.014 | −0.001 |
(0.30) | (−0.05) | (−0.01) | |
Children in household (0,1) | 0.627* | 0.599* | 0.603* |
(2.45) | (2.38) | (2.39) | |
Physically disabled (0,1) | −0.216 | −0.313 | −0.290 |
(−0.76) | (−1.12) | (−1.04) | |
Has health insurance (0,1) | 0.584 | 0.564 | 0.539 |
(1.62) | (1.61) | (1.54) | |
Health problems up to age 25 | 0.188 | 0.234 | 0.220 |
(0.59) | (0.77) | (0.73) | |
Depressive symptoms, ~4 years prior | 0.272*** | 0.255*** | 0.254*** |
(8.51) | (7.87) | (7.80) | |
Intercept | 2.802 | 6.715 | 6.648 |
R-squared | 0.165 | 0.203 | 0.204 |
p<0.05
p<0.01
p<0.001 (two-tail test).