step  To run the discriminant analysis, from the menus choose:

Analyze
  Classify
   Discriminant...

step  Select Previously defaulted as the grouping variable.

step  Select Years with current employer, Years at current address, Debt to income ratio (x100), and Credit card debt in thousands as the independent variables.

step  Click Select.

step  Select validate as the selection variable.

step  Select Previously defaulted and click Define Range.

step  Type 0 as the minimum.

step  Type 1 as the maximum.

step  Click Continue.

step  Select validate and click Value in the Discriminant Analysis dialog box.

step  Type 1 as the value for selection variable.

step  Click Continue.

step  Click Statistics in the Discriminant Analysis dialog box.

step  Select Means, Univariate ANOVAs, and Box's M in the Descriptives group.

step  Select Fisher's and Unstandardized in the Function Coefficients group.

step  Select Within-groups correlation in the Matrices group.

step  Click Continue.

step  Click Classify in the Discriminant Analysis dialog box.

step  Select Summary table and Leave-one-out classification.

step  Click Continue.

step  Click Save in the Discriminant Analysis dialog box.

step  Select Predicted group membership and Probabilities of group membership.

step  Click Continue.

step  Click OK in the Discriminant Analysis dialog box.

These selections produce a discriminant model based on Years with current employer, Years at current address, Debt to income ratio (x100), and Credit card debt in thousands.