| 1 | A | B | C | D |
| --- | --- | --- | --- | --- |
| 2 | predicted probability to have skipped or delayed a payment, or to have used a payday loan, by category of debt-to-income ratio and other characteristics, 2016 |  |  |  |
| 3 |  | 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 |
| 4 |  | predicted probability |  |  |
| 5 | debt-to-income ratio category |  |  |  |
| 6 | up to 1.5 | 0.101 | 0.031 | 0.042 |
| 7 | above 1.5 and up to 3.0 | 0.095 | 0.032 | 0.040 |
| 8 | above 3.0 | 0.125 | 0.052 | 0.028 |
| 9 | age group of main income earner |  |  |  |
| 10 | 15 to 34 years | 0.120 | 0.025 | 0.038 |
| 11 | 35 to 44 years | 0.108 | 0.041 | 0.038 |
| 12 | 45 to 54 years | 0.122 | 0.038 | 0.046 |
| 13 | 55 to 64 years | 0.093 | 0.068 | 0.039 |
| 14 | over 64 years | 0.057 | 0.030 | 0.033 |
| 15 | family type |  |  |  |
| 16 | unattached | 0.109 | 0.043 | 0.025 |
| 17 | couple with no children | 0.083 | 0.023 | 0.034 |
| 18 | couple with children | 0.107 | 0.041 | 0.041 |
| 19 | lone parent | 0.123 | 0.099 | 0.086 |
| 20 | "other" family types | 0.117 | 0.045 | 0.062 |
| 21 | education of main income earner |  |  |  |
| 22 | less than high school | 0.114 | 0.056 | 0.074 |
| 23 | high school | 0.117 | 0.038 | 0.047 |
| 24 | some postsecondary | 0.122 | 0.047 | 0.042 |
| 25 | university diploma or degree | 0.078 | 0.032 | 0.016 |
| 26 | income group |  |  |  |
| 27 | first quintile | 0.129 | 0.065 | 0.041 |
| 28 | second quintile | 0.135 | 0.040 | 0.048 |
| 29 | third quintile | 0.097 | 0.049 | 0.037 |
| 30 | fourth quintile | 0.094 | 0.041 | 0.036 |
| 31 | fifth quintile | 0.050 | 0.021 | 0.026 |
| 32 | region |  |  |  |
| 33 | atlantic | 0.074 | 0.048 | 0.037 |
| 34 | quebec | 0.136 | 0.035 | 0.013 |
| 35 | ontario | 0.096 | 0.032 | 0.047 |
| 36 | prairies | 0.108 | 0.072 | 0.060 |
| 37 | british columbia | 0.089 | 0.034 | 0.045 |
| 38 | sex of main income earner |  |  |  |
| 39 | male | 0.107 | 0.043 | 0.040 |
| 40 | female | 0.103 | 0.038 | 0.038 |
| 41 | home ownership status |  |  |  |
| 42 | own without mortgage | 0.066 | .. | 0.013 |
| 43 | own with mortgage | 0.086 | .. | 0.022 |
| 44 | do not own | 0.146 | .. | 0.078 |

Question: which kind of home ownership status was most likely to have used a payday loan, homeowners with or without a mortgage, or non-owners?
Answer: do not own

Question: which level of education had the lowest probability of payday loan use?
Answer: university diploma or degree

Question: which family type was least likely to use payday loans, among lone-parent families, "other" family typs and couples with no children?
Answer: couple with no children

Question: which region was the least likely to use payday loans among all the regions?
Answer: quebec