“…The association of more Visit 1 self-SCC and fewer years of education, may align with the well-known protective effects (e.g., cognitive reserve; use of compensation strategies) of education on cognitive decline and rate of conversion to dementia (Karp et al, 2004; Letenneur et al, 2000; Qiu, Bäckman, Winblad, Agüero-Torres, & Fratiglioni, 2001; Stern et al, 1994; van Oijen, de Jong, Hofman, Koudstaal, & Breteler, 2007). However, studies have observed steeper rates of decline in self-SCC (more complaints) in more highly educated individuals (Hulur, Hertzog, Pearman, Ram, & Gerstorf, 2014; Hulur et al, 2015; Zelinski, Burnight, & Lane, 2001); and when self-SCC complaints are present, appear to be more predictive of cognitive decline and AD risk compared to that in less educated individuals (Chary et al, 2013; van Oijen et al, 2007. Thus, there may be a period of delay of self-reported cognitive changes in at-risk individuals who are highly educated, and then eventually convert at a faster rate later in time after accumulation of neurodegenerative processes (Stern, Albert, Tang, & Tsai, 1999).…”