Income ($ thousands) Value ($ thousands) Years of Mortgage Education Age Payment Gender $40.3 $190 14 53 $230 1 39.6 121 15 49 370 1 40.8 161 14 44 397 40.3 161 14 39 181 1 40.0 179 14 53 378 38.1 99 14 46 304 0 40.4 114 15 42 285 1 40.7 202 14 49 551 0 40.8 184 13 37 370 0 37.1 90 14 43 135 0 39.9 181 14 48 332 1 40.4 143 15 54 217 1 38.0 132 14 44 490 0 39.0 127 14 37 220 0 39.5 153 14 50 270 1 40.6 145 14 50 279 1 40.3 174 15 52 329 1 40.1 177 15 47 274 41.7 188 15 49 433 1 40.1 153 15 53 333 1 40.6 150 16 58 148 40.4 173 13 42 390 1 40.9 163 14 46 142 1 40.1 150 15 50 343 0 38.5 139 14 45 373 0