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-income ratio category

up to 1.5
0.101
0.031
0.042

above 1.5 and up to 3.0
0.095
0.032
0.040

above 3.0
0.125
0.052
0.028

age group of main income earner

15 to 34 years
0.120
0.025
0.038

35 to 44 years
0.108
0.041
0.038

45 to 54 years
0.122
0.038
0.046

55 to 64 years
0.093
0.068
0.039

over 64 years
0.057
0.030
0.033

family type

unattached
0.109
0.043
0.025

couple with no children
0.083
0.023
0.034

couple with children
0.107
0.041
0.041

lone parent
0.123
0.099
0.086

"other" family types
0.117
0.045
0.062

education of main income earner

less than high school
0.114
0.056
0.074

high school
0.117
0.038
0.047

some postsecondary
0.122
0.047
0.042

university diploma or degree
0.078
0.032
0.016

income group

first quintile
0.129
0.065
0.041

second quintile
0.135
0.040
0.048

third quintile
0.097
0.049
0.037

fourth quintile
0.094
0.041
0.036

fifth quintile
0.050
0.021
0.026

region

atlantic
0.074
0.048
0.037

quebec
0.136
0.035
0.013

ontario
0.096
0.032
0.047

prairies
0.108
0.072
0.060

british columbia
0.089
0.034
0.045

sex of main income earner

male
0.107
0.043
0.040

female
0.103
0.038
0.038

home ownership status

own without mortgage
0.066
..
0.013

own with mortgage
0.086
..
0.022

do not own
0.146
..
0.078

Statement: a higher level of education was associated with a lower probability of payday loan use. those with a university degree had the lowest probability of payday loan use.
Question: which level of education had the lowest probability of payday loan use?
Answer: university diploma or degree