In the event that education loan financial obligation really does depress homeownership, we possibly may anticipate indeed there become distinctions some of those in financial trouble

Once again, in the event your dating were causal, we could possibly assume the chances of owning a home to help you ount out-of education loan loans accumulated (in place of responding on the easy visibility or absence of debt)

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The above mentioned analyses are helpful, however, provide us with little insight into if or not you will find a good causal association anywhere between debt and the likelihood of homeownership. It is possible these particular show might be entirely driven because of the differences when considering debtors and you may low-debtors – therefore leading us to consider there’s a beneficial causal dating when there’s not.