Tests of Model Effects
Each term in the model, plus the model as a whole, is tested for whether its effect equals 0. Terms with significance values less than 0.05 have some discernible effect. Thus, age, employ, debtinc, and creddebt contribute to the model, while the other main effects do not. In a further analysis of the data, you would probably remove ed, address, income, and othdebt from model consideration.