“…In our estimation of the use of PSL, we control for demographic and employment-related characteristics that have been found to be related to receipt and use of PSL,14,30 including sex/gender (male, female), race/ethnicity (Black non-Latino, Latino, other/multiracial non-Latino, or White non-Latino), education (high school degree or less, some college or associate's degree, bachelor's degree or more), age (18-35, 36-45, 46-55, and 56-64 years old), foreign-born status (US-born or foreign-born), presence of a spouse or partner in the household (yes, no), presence of children in the household (yes, no), and a logged income-to-needs ratio (continuous variable). The income-to-needs ratio is measured using total Supplemental Poverty Measure (SPM) resources (posttax cash income plus in-kind benefits, minus nondiscretionary work, childcare, and medical expenses), divided by the SPM poverty line, logged to account for greater effects of income at lower levels of income to needs.…”