Table 2

Multivariate Odds of Practicing Primary Care or Family Medicine by Type of Loan

Characteristic	Practicing Primary Care, Odds Ratio				Practicing Family Medicine, Odds Ratio

	All (Model 1) (N = 136,232)	All (Model 2) (N = 136,232)	Public (n = 84,739)	Private (n = 51,493)	All (Model 1) (N = 136,232)	All (Model 2) (N = 136,232)	Public (n = 84,739)	Private (n = 51,493)
Type of loan
Loan not based on parents’ income (ref)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Perkins/Disadvantaged Student Loans	1.09^a	1.12^a	1.12^a	1.02	1.11^a	1.20^a	1.11^a	1.07
Health Professions Student Loans	1.18^a	1.21^a	1.16^a	1.21^a	1.28^a	1.35^a	1.19^a	1.54^a
Debt category
None	0.78^a	0.76^a	0.79^a	0.83^b	0.69^a	0.65^a	0.67^a	0.91
$1,000–$50,000	0.89^a	0.89^a	0.90^a	0.88^a	0.87^a	0.87^a	0.87^a	0.91
$50,001–$100,000 (ref)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
$100,001–$150,000	0.96^a	0.92^a	0.94^a	1.02	0.99	0.91^a	0.99	1.04
$150,001–$200,000	0.97	0.85^a	0.89^a	1.04	1.06	0.76^a	0.97	1.15^a
≥$200,001	0.95	0.80^a	0.84^b	0.99	1.05	0.66^a	0.89	1.11
Graduation era
1988–1992 (ref)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
1993–1996	1.29^a	1.31^a	1.30^a	1.29^a	1.32^a	1.36^a	1.29^a	1.42^a
1997–2000	1.76^a	1.83^a	1.93^a	1.58^a	1.99^a	2.21^a	1.83^a	2.44^a
Demographics
Married at graduation	1.25^a	1.27^a	1.26^a	1.22^a	1.51^a	1.58^a	1.51^a	1.52^a
Male	0.49^a	0.49^a	0.50^a	0.46^a	0.78^a	0.79^a	0.81^a	0.71^a
Born in rural county	1.46^a	1.53^a	1.55^a	0.98	1.95^a	2.16^a	2.00^a	1.45
Age at graduation (per year)	1.02^a	1.02^a	1.02^a	1.02^a	1.04^a	1.04^a	1.04^a	1.05^a
Medical school
Rural	1.40^a	1.20^b	–	–	1.67^a	1.06	–	–
Public	1.30^a	–	–	–	2.05^a	–	–	–
NHSC scholarship	5.83^a	5.35^a	5.50^a	6.15^a	5.44^a	4.26^a	4.53^a	6.25^a
Community based	1.28^a	1.36^a	1.31^a	1.08	1.37^a	1.59^a	1.43^a	0.99

NHSC = National Health Service Corps; ref = reference group.
Notes: Multivariate logistic regression analyses. All variables listed were included. Model 1 controlled for public school attendance; model 2 did not.
↵a P <. 01.
↵b P <. 05.