Table 3.

Average Marginal Effects (AME) of student loan debt in two-way interactions via tests of the second cross-partial derivatives.

DV	Effect	∂y∂x	SE	z	p	LCI	HCI
Audit	∂/∂Studcnt Debt	0.304	0.266	1.14	0.253	−0.218	0.825
	@SESI=−3	−0.706	0.335	−2.11	0.035	−1.363	−0.049
	@SESI=−2	0.039	0.266	0.14	0.885	−0.482	0.559
	@SESI=−1	0.869	0.268	3.24	0.001	0.344	1.394
	@SESI= 0	1.820	0.352	5.17	<0.001	1.13	2.51
	@SESI= 1	2.942	0.521	5.65	<0.001	1.922	3.963
	∂^2/∂SI@ Student Debt	0.855	0.163	5.25	<0.001	0.536	1.175
Anxiety	∂/∂ Student Debt	0.685	0.359	1.91	0.057	−0.019	1.389
	@SESI=−3	−0.273	0.399	−0.68	0.494	−1.054	0.509
	@SESI=−2	0.223	0.321	0.70	0.486	−0.405	0.852
	@SESI=−1	0.879	0.336	2.62	0.009	0.22	1.537
	@SESI= 0	1.769	0.539	3.28	0.001	0.712	2.825
	@SESI= 1	3.008	1.011	2.97	0.003	1.025	4.99
	∂^2/∂SI@ Student Debt	0.745	0.301	2.48	0.013	0.155	1.334
Stress	∂/∂ Student Debt	1.268	0.462	2.75	0.006	0.364	2.173
	@SESI=−3	0.036	0.567	0.06	0.949	−1.076	1.148
	@SESI=−2	0.725	0.461	1.57	0.116	−0.179	1.628
	@SESI=−1	1.621	0.487	3.33	0.001	0.665	2.576
	@SESI= 0	2.790	0.774	3.60	<0.001	1.273	4.308
	@SESI= 1	4.323	1.349	3.21	0.001	1.68	6.966
	∂^2/∂SI@ Student Debt	0.948	0.374	2.53	0.011	0.214	1.681

Note. N = 331. Student debt = total self reported student loan debt from all sources and was coded 0 (no loans), 1 (with loans < $25K), 2 ( >=$25K & <$75K), and 3 >=$75K. SESI= SES-instability = perceived instability in one’s SES; higher values indicate greater instability. AUDIT = scores on the Alcohol Use Disorder Identification Test; higher scores indicate greater AUD risk. Anxiety and stress represent scores on the anxiety and stress subscales of the DASS-21; higher scores = greater symptom severity. ∂y∂x = partial derivative (average marginal effect). Significant effects are bolded.