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learn$ave Project: Final ReportTable F.7.3 Impacts in Education Programs (Percentage Points), during the 54 months, by Subgroup, Education Stream Participants – AdjustedOutcome Per cent,by Research GroupImpact of Matched SavingCreditsImpact of Serviceswhen Offered with Combined Impact ofServices ∑ Credits + ServicesCharacteristic at BaselineSampleSizelearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.All 1,844 65.1 68.6 56.0 9.1*** (2.8) 3.5 (2.5) 12.6*** (2.8)Age n.s. n.s. n.s.Less than 30 years 665 74.8 77.8 64.8 10.0** (4.8) 3.0 (4.1) 13.0*** (4.8)Between 30 and 40 years 885 61.4 64.6 52.9 8.5** (4.0) 3.2 (3.6) 11.7*** (4.0)Over 40 years 294 54.5 60.1 45.6 8.9 (7.0) 5.6 (6.4) 14.5** (6.8)Gender n.s. n.s. n.s.Male 809 59.2 61.8 52.0 7.2* (4.3) 2.6 (3.8) 9.8** (4.2)Female 1,035 69.8 74.0 59.3 10.5*** (3.8) 4.2 (3.3) 14.8*** (3.8)Employment and IncomeBaseline Labour Force Status: † n.s. †††▪ ▪ Work for pay 1,039 65.9 70.3 52.1 13.8*** (3.8) 4.4 (3.3) 18.2*** (3.7)▪ ▪ Self-employed 176 57.6 67.8 44.4 13.3 (8.9) 10.2 (8.3) 23.4*** (8.7)▪ ▪ Unemployed or Out of labour force a 628 66.0 65.8 65.8 0.2 (4.8) -0.2 (4.3) 0.0 (4.9)Household Income in year prior to applicationb :n.s. n.s. n.s.▪ ▪ Less than $10,000 587 64.2 71.0 58.4 5.8 (5.0) 6.8 (4.4) 12.6** (5.0)▪ ▪ $10,000 to $19,999 750 66.6 68.7 53.4 13.2*** (4.4) 2.1 (3.9) 15.2*** (4.4)▪ ▪ $20,000 and over 507 64.1 65.8 57.2 6.9 (5.3) 1.7 (4.8) 8.6 (5.4)Highest Level of Education n.s. n.s. n.s.Some PSE or less c 450 64.7 66.8 54.6 10.1* (5.7) 2.2 (5.1) 12.2** (5.6)Non-university degree, diploma or cert. 360 58.2 62.9 56.3 1.9 (6.2) 4.8 (5.8) 6.6 (6.3)University degree 1,034 68.0 71.3 56.1 11.9*** (3.8) 3.3 (3.3) 15.2*** (3.8)Years Since Immigrating †† n.s. n.s.Born in Canada 586 63.6 64.7 45.3 18.3*** (4.9) 1.1 (4.5) 19.4*** (4.9)Immigrated less than 4 years ago 950 69.8 73.1 62.4 7.4* (4.0) 3.3 (3.4) 10.7*** (3.9)Immigrated 4 or more years ago 308 54.2 62.7 58.4 -4.3 (7.0) 8.6 (6.1) 4.3 (7.1)Saving Regularity n.s. n.s. n.s.Saved regularly at baseline 279 65.3 68.4 51.5 13.7* (7.1) 3.2 (6.5) 16.9** (7.0)Did not save regularly 1,555 65.1 68.8 58.0 7.0** (3.1) 3.7 (2.7) 10.8*** (3.1)148 | Appendix F Social Research and Demonstration Corporation