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learn$ave Project: Final ReportTable F.6.7 Impacts on Incidence of Hardship and Life Satisfaction level (Percentage Points or Average), at 54 Months, All Participants –AdjustedOutcome Incidence or Mean,by Research GroupImpact ofMatched SavingCreditsImpact ofServices whenOffered withCredits ∑Combined Impactof Credits+ Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.Hardship (in the last 12 Months)% who had difficulty meeting expenses 16.8 18.9 18.4 -1.6 (2.0) 2.1 (1.8) 0.5 (2.0)% who had to borrow to meet needs 14.7 13.7 14.2 0.5 (1.8) -1.0 (1.6) -0.5 (1.8)% who used a foodbank 3.0 3.4 3.2 -0.2 (1.0) 0.4 (0.8) 0.2 (0.9)% who declared bankruptcy 1.5 1.2 0.8 0.7 (0.6) -0.3 (0.5) 0.4 (0.6)% who had overdue bills 1.7 1.4 1.9 -0.1 (0.7) -0.4 (0.6) -0.5 (0.7)% who had at least one of above items 23.4 25.3 23.8 -0.4 (2.2) 1.8 (2.0) 1.4 (2.2)Number of hardship items (average) 0.4 0.4 0.4 0.0 (0.0) 0.0 (0.0) 0.0 (0.0)Life Satisfaction% indicating life satisfaction as 10 7.0 8.9 3.4 3.6 (2.4) 1.8 (2.1) 5.4** (2.4)% indicating life satisfaction as 9 or 10 20.6 21.7 13.5 7.1* (3.7) 1.1 (3.2) 8.2** (3.7)% indicating life satisfaction as 8, 9 or 10 48.7 48.4 44.5 4.2 (4.7) -0.3 (4.1) 3.9 (4.7)Source: Calculations from 54-month survey data.Note: Overall sample sizes for the control, learn$ave-only and learn$ave-plus groups are 568, 842 and 859, respectively .Sample sizes vary for individual measures because of missing values.Two-tailed tests were applied to impacts estimated by regression-adjusted differences in outcomes between research (program and control)groups.Statistical significance levels are indicated as * = 10 per cent; ** = 5 per cent; *** = 1 per cent.Rounding may cause slight discrepancies in sums and differences.∑The figures in this column show the extra impact of the financial management training and enhanced case management services whengiven to those eligible to receive matched credits. It does not represent the impact of those services alone for those not eligible to receive thematched saving credit; it represents the impact of the services when provided with the credits.Social Research and Demonstration Corporation Appendix F | 143