Table 5. Logistic regression results for financial distress.

	Odds ratio	95% Confidence interval	P-value
Gender: male vs. female (ref.)	0.974	[0.672, 1.412]	0.888
Age (years)	1.037	[0.987, 1.09]	0.148
Site: Ludwigshafen vs. Heidelberg (ref.)	0.598	[0.374, 0.955]	0.031
Site: Mannheim vs. Heidelberg (ref.)	0.313	[0.191, 0.514]	<0.001
Studies: health vs. business (ref.)	0.291	[0.161, 0.523]	<0.001
Studies: IT vs. business (ref.)	0.922	[0.558, 1.522]	0.75
Studies: MINT/technical vs. business (ref.)	0.667	[0.369, 1.205]	0.18
Studies: other vs. business (ref.)	1.325	[0.713, 2.462]	0.373
Part-time working vs. no part-time working (ref.)	1.811	[1.225, 2.676]	0.003
Grade: good vs. very good (ref.)	1.037	[0.67, 1.605]	0.871
Grade: average vs. very good (ref.)	1.261	[0.736, 2.159]	0.399
Grade: poor vs. very good (ref.)	2.426	[0.413, 14.237]	0.326
Semester	0.961	[0.875, 1.055]	0.399
Income before (irregular income) vs. no income (ref.)	0.486	[0.184, 1.282]	0.145
Income before (regular income) vs. no income (ref.)	0.456	[0.245, 0.851]	0.014
Degree: master vs. bachelor (ref.)	0.977	[0.582, 1.64]	0.93

IT: Information technologies; MINT: mathematics, informatics, natural sciences and technology