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Table 1.
Group Distribution: NLSY79 versus SCF
YearBorrower-Saver %Borrower %Neutral %Saver %Number of Respondents
NLSY79, all 
2004 48.4 4.6 11.4 35.6 3,447 
2008 46.0 5.0 12.1 36.8 3,512 
2012 40.5 4.5 13.8 41.3 3,570 
SCF, all 
2004 49.3 1.8 7.2 41.6 3,012 
2007 50.1 1.0 7.1 41.7 2,874 
2010 42.5 0.8 7.4 49.3 4,260 
SCF, ages 39–47 matching NLSY79 
2004 53.7 1.9 5.5 38.9 806 
2007 52.6 0.5 7.6 39.3 813 
2010 46.0 0.6 6.5 47 1,172 
YearBorrower-Saver %Borrower %Neutral %Saver %Number of Respondents
NLSY79, all 
2004 48.4 4.6 11.4 35.6 3,447 
2008 46.0 5.0 12.1 36.8 3,512 
2012 40.5 4.5 13.8 41.3 3,570 
SCF, all 
2004 49.3 1.8 7.2 41.6 3,012 
2007 50.1 1.0 7.1 41.7 2,874 
2010 42.5 0.8 7.4 49.3 4,260 
SCF, ages 39–47 matching NLSY79 
2004 53.7 1.9 5.5 38.9 806 
2007 52.6 0.5 7.6 39.3 813 
2010 46.0 0.6 6.5 47 1,172 

All percentages are weighted using survey weights. Groups are defined using the baseline definition: (a) borrower-saver: credit card debt and savings >0; (b) borrower: credit card debt >0, savings =0; (c) neutral: credit card debt and savings =0; (d) saver: credit card debt =0, savings >0. NLSY79: National Longitudinal Survey of Youth, Cohort of 1979. SCF: Survey of Consumer Finances.

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