CENSUS STATE CODE
FINAL WEIGHT
1 for payday user, 0 for non
1 for usage in last 12 months
education: 1 <HS, 2 HS, 3 some college, 4 Bachelors +
RECODE of pesex (SEX)
RECODE of ptdtrace (RACE)
1 if married with spouse present
married*female
=1 if employed
categorical age
Legal Status of Payday Loans
=1 if ban on payday loans
=1 if rate limits (ban=missing)