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learn$ave Project: Final ReportTable F.7.4 Impacts on Expenditures, Funding, and Intensity in Education and Training (Average), during the 54 Months, Education StreamParticipants – AdjustedOutcome Mean,by Research GroupImpact of MatchedSaving CreditsImpact of Serviceswhen Offered withServices ∑Combined Impactof Credits &Serviceslearn$aveonlylearn$aveplusControl Diff S.E. Diff S.E. Diff S.E.Educational Expenditures(average $)Tuition FeesPrograms 4,228 5,006 3,038 1,191*** (408) 778** (361) 1,968*** (407)Courses 1,052 1,041 781 270** (121) -10 (107) 260** (120)Programs and courses 5,248 6,043 3,821 1,426*** (410) 795** (362) 2,222*** (408)Book PurchasesPrograms 637 778 604 33 (67) 141** (59) 173*** (67)Courses 138 127 57 81*** (22) -10 (20) 71*** (22)Programs and courses 774 905 661 113 (69) 131** (61) 244*** (69)Total EducationalExpendituresPrograms 4,865 5,784 3,642 1,223*** (451) 918** (399) 2,142*** (450)Courses 1,189 1,169 838 351*** (133) -21 (118) 330** (132)Programs and courses 6,021 6,947 4,482 1,539*** (451) 926** (399) 2,465*** (450)Educational Funding(average $)Grants for programsand courses1,202 1,198 1,248 -46 (235) -4 (207) -50 (234)Education LoansPrograms 3,763 4,180 3,905 -142 (577) 417 (510) 275 (575)Courses 20 114 36 -16 (56) 94* (50) 78 (56)Programs and courses 3,783 4,294 3,941 -158 (581) 511 (513) 353 (579)Educational Intensity(average hours)Programs 736 766 606 130** (61) 29 (54) 159*** (61)Courses 210 200 148 61** (29) -9 (26) 52* (29)Programs and courses 946 966 755 192*** (65) 20 (58) 211*** (65)Source: Calculations from 18-month, 40-month and 54-month survey data.Note: The sample sizes for the control, learn$ave-only and learn$ave-plus groups are 568, 842 and 859, respectively. Sample sizes vary forindividual 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.150 | Appendix F Social Research and Demonstration Corporation