Table:
non-mortgage payment skipped or delayed in the past year
mortgage payment skipped or delayed in the past year
payday loan used in past three years

predicted probability

debt-to-asset ratio category

up to 0.25
0.080
0.016
0.027

above 0.25 and up to 0.50
0.122
0.042
0.031

above 0.50
0.128
0.073
0.060

age group of main income earner

15 to 34 years
0.114
0.020
0.034

35 to 44 years
0.105
0.039
0.037

45 to 54 years
0.125
0.042
0.047

55 to 64 years
0.099
0.081
0.042

over 64 years
0.062
0.041
0.040

family type

unattached
0.110
0.045
0.024

couple with no children
0.083
0.024
0.035

couple with children
0.106
0.040
0.041

lone parent
0.121
0.094
0.084

"other" family types
0.116
0.045
0.063

education of main income earner

less than high school
0.112
0.054
0.075

high school
0.117
0.038
0.048

some postsecondary
0.121
0.046
0.041

university diploma or degree
0.079
0.033
0.016

income group

first quintile
0.128
0.068
0.037

second quintile
0.134
0.038
0.046

third quintile
0.097
0.048
0.038

fourth quintile
0.095
0.041
0.038

fifth quintile
0.051
0.022
0.033

region

atlantic
0.073
0.043
0.038

quebec
0.136
0.034
0.014

ontario
0.096
0.032
0.046

prairies
0.106
0.068
0.056

british columbia
0.091
0.039
0.044

sex of main income earner

male
0.107
0.042
0.040

female
0.103
0.038
0.037

home ownership status

own without mortgage
0.078
..
0.017

own with mortgage
0.085
..
0.019

do not own
0.140
..
0.082

Statement: university degree holders were less likely to miss non-mortgage payments than high school diploma holders.
Question: which kind of income earner were less likely to miss non-mortgage payments, university degree holders or high school diploma holders?
Answer: university diploma or degree