Table:
1999
2012
1999
2012

median debt-to-income ratio
median debt-to-asset ratio

all
0.78
1.10
0.27
0.25

age of major income earner

15 to 34
0.83
1.28
0.52
0.53

35 to 44
1.15
1.93
0.31
0.39

45 to 54
0.75
1.16
0.18
0.20

55 to 64
0.48
0.84
0.08
0.11

65 and over
0.24
0.42
0.05
0.05

education of major income earner

less than high school
0.44
0.50
0.22
0.20

high school
0.83
0.94
0.29
0.26

college/trades
0.93
1.26
0.30
0.28

university degree
0.96
1.43
0.24
0.23

family structure

non-seniors

singles
0.55
0.82
0.40
0.40

couples without children or with children 18 and over
0.79
1.20
0.20
0.19

couples with children under 18
1.24
1.94
0.33
0.34

lone parents
0.62
0.62
0.42
0.37

others
0.48
0.65
0.17
0.21

seniors
0.24
0.42
0.05
0.05

immigrant status of major income earner

immigrated within the last 10 years
0.89
1.66
0.52
0.45

more than 10 years since immigration
0.88
1.37
0.25
0.26

canadian-born
0.76
1.03
0.26
0.24

region

atlantic
0.56
0.87
0.20
0.22

quebec
0.66
0.75
0.24
0.19

ontario
0.92
1.18
0.29
0.27

manitoba and saskatchewan
0.72
0.99
0.22
0.23

alberta
0.92
1.60
0.31
0.31

british columbia
0.98
1.43
0.31
0.27

homeownership status

owners with a mortgage
1.72
2.46
0.35
0.35

owners without a mortgage
0.25
0.38
0.03
0.03

non-owners
0.27
0.31
0.34
0.37

income quintile

bottom quintile
0.62
0.76
0.45
0.40

second quintile
0.64
0.79
0.28
0.28

middle quintile
0.88
1.36
0.28
0.27

fourth quintile
0.91
1.34
0.24
0.21

top quintile
0.87
1.24
0.18
0.16

Statement: the debt-to-income ratio reaches a peak among families in the 35-to-44 age group.
Question: which age group has the highest debt-to-income ratio?
Answer: 35 to 44