Table 3

Over-indebtedness at least once in 1999/2000 or 2005 in relation to the outcome poor mental health at follow-up in 2010, with forward stepwise addition of potential confounders; educational level in 1999/2000, country of origin, and precarious employment at least once in 1999/2000 or 2005

			Model 1 Age-adjusted		Model 2 Model 1+adjusted for educational level in 1999/2000		Model 3 Model 2+adjusted for country of origin		Model 4 Model 3+adjusted for precarious employment in 1999/2000 or 2005
			IRR	95% CI	IRR	95% CI	IRR	95% CI	IRR	95% CI
All	Over-indebtedness	Yes vs no	2.2	1.7 to 2.8	2.2	1.7 to 2.8	2.2	1.7 to 2.8	2.0	1.6 to 2.6
	Educational level	9 years or less			1		1		1
		10–12 years			1.2	0.9 to 1.7	1.2	0.9 to 1.7	1.3	0.9 to 1.8
		13–14 years			1.4	1.03 to 2.0	1.4	1.03 to 2.0	1.5	1.1 to 2.1
		15 years or more			1.2	0.9 to 1.7	1.2	0.9 to 1.7	1.3	0.9 to 1.8
	Born in Sweden	No vs yes					1.1	0.8 to 1.4	1.0	0.7 to 1.4
	Precarious employment	Yes vs no							1.3	1.1 to 1.6
Men	Over-indebtedness	Yes vs no	2.6	1.8 to 3.9	2.7	1.8 to 4.2	2.6	1.7 to 4.0	2.2	1.4 to 3.5
	Educational level	9 years or less			1		1		1
		10–12 years			1.4	0.8 to 2.4	1.4	0.8 to 2.4	1.4	0.8 to 2.4
		13–14 years			1.2	0.7 to 2.2	1.3	0.7 to 2.2	1.2	0.7 to 2.2
		15 years or more			1.6	0.9 to 2.8	1.6	0.9 to 2.7	1.6	0.9 to 2.8
	Born in Sweden	No vs yes					1.3	0.8 to 2.1	1.2	0.7 to 1.9
	Precarious employment	Yes vs no							1.6	1.2 to 2.3
Women	Over-indebtedness	Yes vs no	1.9	1.4 to 2.6	1.9	1.4 to 2.5	1.9	1.4 to 2.6	1.8	1.4 to 2.5
	Educational level	9 years or less			1		1		1
		10–12 years			1.1	0.7 to 1.7	1.1	0.7 to 1.7	1.1	0.8 to 1.7
		13–14 years			1.4	0.9 to 2.1	1.4	0.9 to 2.1	1.4	0.9 to 2.1
		15 years or more			1.0	0.6 to 1.5	1.0	0.6 to 1.5	1.0	0.6 to 1.5
	Born in Sweden	No vs yes					0.9	0.6 to 1.4	0.9	0.6 to 1.3
	Precarious employment	Yes vs no							1.1	0.9 to 1.4

IRR, incidence rate ratio.