Table:
characteristics
all levels of study
college
bachelor's degree holders
master's, doctorate and professional degree holders

full debt repayment
remaining debt
full debt repayment
remaining debt
full debt repayment
remaining debt
full debt repayment
remaining debt

proportion
35.6
64.4
34.0
66.0
35.5
64.5
38.5
61.5

median debt at graduation
9,926
21,936
5,823
14,978
12,542
25,319
12,820
29,815

employment income categories
percent

no employment income
11.7
15.5
10.3
14.3
11.5
15.7
14.3
17.2

less than $15,000
1.4
2.1
2.3
3.3
1.3
1.7
0.5
0.9

$15,000 to $24,999
3.5
4.6
6.0
7.0
2.9
4.0
1.0
2.0

$25,000 to $44,999
23.3
28.0
40.3
43.2
19.1
24.1
7.6
10.8

$45,000 to $59,999
22.0
21.9
25.5
20.5
23.0
24.5
15.3
18.5

$60,000 to $74,999
20.7
15.8
9.5
7.9
26.8
18.6
24.4
23.2

$75,000 and more
17.3
12.0
6.0
3.9
15.6
11.4
37.0
27.3

debt size

less than $5,000
24.8
4.4
38.4
7.6
19.0
2.9
16.9
2.6

$5,000 to less than $10,000
20.4
12.5
24.3
21.3
17.8
7.6
20.0
8.7

$10,000 to less than $25,000
34.7
37.5
31.0
44.2
37.3
34.9
34.4
31.8

$25,000 or more
20.2
45.5
6.3
27.0
25.8
54.6
28.7
56.9

family status

couple, with children
16.3
18.6
16.9
18.6
12.1
14.8
23.9
27.4

couple, no children
28.3
26.8
25.7
21.5
26.9
27.8
34.8
33.7

single, with children
2.0
5.3
2.8
9.0
1.6
3.4
1.8
3.3

single, no children
53.3
49.2
54.6
50.9
59.4
53.9
39.4
35.7

province of residence in 2018

newfoundland
0.7
0.9
0.3
0.4
0.8
1.2
1.0
1.2

prince edward island
0.5
0.7
0.9
1.0
0.3
0.5
0.3
0.4

nova scotia
2.2
4.2
3.5
5.3
1.3
3.6
2.2
3.6

new brunswick
1.8
2.8
2.3
3.8
1.7
2.3
1.2
2.0

quebec
21.7
24.1
18.0
18.0
19.9
24.0
30.6
34.7

ontario
44.7
39.6
41.0
43.5
47.7
38.5
44.2
35.4

manitoba
2.5
2.9
3.4
2.5
2.3
3.3
1.6
2.5

saskatchewan
2.2
3.1
1.6
3.1
3.0
3.5
1.6
2.3

alberta
10.5
10.8
12.2
12.1
10.7
11.0
7.5
8.4

british columbia
12.0
10.7
14.9
10.3
11.4
11.7
9.2
8.9

territories
1.1
0.3
1.8
0.1
0.9
0.4
0.6
0.4

parents' level of education

less than high school
9.9
12.7
12.6
14.9
8.9
12.4
8.2
9.8

high school
20.8
25.7
25.5
30.0
20.8
24.6
14.2
20.8

college or trades
28.8
27.8
30.8
32.1
32.0
28.2
19.8
19.5

university
40.4
33.7
31.1
23.0
38.3
34.8
57.9
49.9

debt sources

government-sponsored loans
63.4
81.0
48.6
79.1
72.0
84.3
67.3
76.8

loans from family or friends
29.3
19.8
42.4
20.2
22.9
18.6
23.4
21.8

loans from bank or line of credit
21.8
33.8
22.0
24.1
18.7
33.5
27.5
51.3

personal characteristics

female
54.7
61.0
50.5
63.3
54.5
60.3
60.8
58.5

older than median age at graduation
37.2
47.6
45.2
48.1
32.7
48.1
34.7
45.8

ever been a landed immigrant
20.7
21.7
18.7
20.9
19.1
20.5
26.4
25.8

visible minority status
30.6
30.9
27.4
30.8
32.2
31.4
31.9
30.1

aboriginal status
2.2
2.4
2.9
2.5
2.5
2.7
0.5
1.5

has a disability
22.0
28.4
25.4
30.8
21.8
28.1
17.7
25.3

Reconstruct the table in the presented picture as an HTML-style table in text.

<table border="1" cellspacing="0">
<tr> <td rowspan="2"> characteristics </td> <td colspan="2"> all levels of study </td> <td colspan="2"> college </td> <td colspan="2"> bachelor's degree holders </td> <td colspan="2"> master's, doctorate and professional degree holders </td> </tr>
<tr> <td> full debt repayment </td> <td>  </td> <td> full debt repayment </td> <td>  </td> <td> full debt repayment </td> <td>  </td> <td> full debt repayment </td> <td>  </td> </tr>
<tr> <td> proportion </td> <td> 35.6 </td> <td> 64.4 </td> <td> 34.0 </td> <td> 66.0 </td> <td> 35.5 </td> <td> 64.5 </td> <td> 38.5 </td> <td> 61.5 </td> </tr>
<tr> <td> median debt at graduation </td> <td> 9,926 </td> <td> 21,936 </td> <td> 5,823 </td> <td> 14,978 </td> <td> 12,542 </td> <td> 25,319 </td> <td> 12,820 </td> <td> 29,815 </td> </tr>
<tr> <td> employment income categories </td> <td colspan="8"> percent </td> </tr>
<tr> <td> no employment income </td> <td> 11.7 </td> <td> 15.5 </td> <td> 10.3 </td> <td> 14.3 </td> <td> 11.5 </td> <td> 15.7 </td> <td> 14.3 </td> <td> 17.2 </td> </tr>
<tr> <td> less than $15,000 </td> <td> 1.4 </td> <td> 2.1 </td> <td> 2.3 </td> <td> 3.3 </td> <td> 1.3 </td> <td> 1.7 </td> <td> 0.5 </td> <td> 0.9 </td> </tr>
<tr> <td> $15,000 to $24,999 </td> <td> 3.5 </td> <td> 4.6 </td> <td> 6.0 </td> <td> 7.0 </td> <td> 2.9 </td> <td> 4.0 </td> <td> 1.0 </td> <td> 2.0 </td> </tr>
<tr> <td> $25,000 to $44,999 </td> <td> 23.3 </td> <td> 28.0 </td> <td> 40.3 </td> <td> 43.2 </td> <td> 19.1 </td> <td> 24.1 </td> <td> 7.6 </td> <td> 10.8 </td> </tr>
<tr> <td> $45,000 to $59,999 </td> <td> 22.0 </td> <td> 21.9 </td> <td> 25.5 </td> <td> 20.5 </td> <td> 23.0 </td> <td> 24.5 </td> <td> 15.3 </td> <td> 18.5 </td> </tr>
<tr> <td> $60,000 to $74,999 </td> <td> 20.7 </td> <td> 15.8 </td> <td> 9.5 </td> <td> 7.9 </td> <td> 26.8 </td> <td> 18.6 </td> <td> 24.4 </td> <td> 23.2 </td> </tr>
<tr> <td> $75,000 and more </td> <td> 17.3 </td> <td> 12.0 </td> <td> 6.0 </td> <td> 3.9 </td> <td> 15.6 </td> <td> 11.4 </td> <td> 37.0 </td> <td> 27.3 </td> </tr>
<tr> <td> debt size </td> <td colspan="8">  </td> </tr>
<tr> <td> less than $5,000 </td> <td> 24.8 </td> <td> 4.4 </td> <td> 38.4 </td> <td> 7.6 </td> <td> 19.0 </td> <td> 2.9 </td> <td> 16.9 </td> <td> 2.6 </td> </tr>
<tr> <td> $5,000 to less than $10,000 </td> <td> 20.4 </td> <td> 12.5 </td> <td> 24.3 </td> <td> 21.3 </td> <td> 17.8 </td> <td> 7.6 </td> <td> 20.0 </td> <td> 8.7 </td> </tr>
<tr> <td> $10,000 to less than $25,000 </td> <td> 34.7 </td> <td> 37.5 </td> <td> 31.0 </td> <td> 44.2 </td> <td> 37.3 </td> <td> 34.9 </td> <td> 34.4 </td> <td> 31.8 </td> </tr>
<tr> <td> $25,000 or more </td> <td> 20.2 </td> <td> 45.5 </td> <td> 6.3 </td> <td> 27.0 </td> <td> 25.8 </td> <td> 54.6 </td> <td> 28.7 </td> <td> 56.9 </td> </tr>
<tr> <td> family status </td> <td colspan="8">  </td> </tr>
<tr> <td> couple, with children </td> <td> 16.3 </td> <td> 18.6 </td> <td> 16.9 </td> <td> 18.6 </td> <td> 12.1 </td> <td> 14.8 </td> <td> 23.9 </td> <td> 27.4 </td> </tr>
<tr> <td> couple, no children </td> <td> 28.3 </td> <td> 26.8 </td> <td> 25.7 </td> <td> 21.5 </td> <td> 26.9 </td> <td> 27.8 </td> <td> 34.8 </td> <td> 33.7 </td> </tr>
<tr> <td> single, with children </td> <td> 2.0 </td> <td> 5.3 </td> <td> 2.8 </td> <td> 9.0 </td> <td> 1.6 </td> <td> 3.4 </td> <td> 1.8 </td> <td> 3.3 </td> </tr>
<tr> <td> single, no children </td> <td> 53.3 </td> <td> 49.2 </td> <td> 54.6 </td> <td> 50.9 </td> <td> 59.4 </td> <td> 53.9 </td> <td> 39.4 </td> <td> 35.7 </td> </tr>
<tr> <td> province of residence in 2018 </td> <td colspan="8">  </td> </tr>
<tr> <td> newfoundland </td> <td> 0.7 </td> <td> 0.9 </td> <td> 0.3 </td> <td> 0.4 </td> <td> 0.8 </td> <td> 1.2 </td> <td> 1.0 </td> <td> 1.2 </td> </tr>
<tr> <td> prince edward island </td> <td> 0.5 </td> <td> 0.7 </td> <td> 0.9 </td> <td> 1.0 </td> <td> 0.3 </td> <td> 0.5 </td> <td> 0.3 </td> <td> 0.4 </td> </tr>
<tr> <td> nova scotia </td> <td> 2.2 </td> <td> 4.2 </td> <td> 3.5 </td> <td> 5.3 </td> <td> 1.3 </td> <td> 3.6 </td> <td> 2.2 </td> <td> 3.6 </td> </tr>
<tr> <td> new brunswick </td> <td> 1.8 </td> <td> 2.8 </td> <td> 2.3 </td> <td> 3.8 </td> <td> 1.7 </td> <td> 2.3 </td> <td> 1.2 </td> <td> 2.0 </td> </tr>
<tr> <td> quebec </td> <td> 21.7 </td> <td> 24.1 </td> <td> 18.0 </td> <td> 18.0 </td> <td> 19.9 </td> <td> 24.0 </td> <td> 30.6 </td> <td> 34.7 </td> </tr>
<tr> <td> ontario </td> <td> 44.7 </td> <td> 39.6 </td> <td> 41.0 </td> <td> 43.5 </td> <td> 47.7 </td> <td> 38.5 </td> <td> 44.2 </td> <td> 35.4 </td> </tr>
<tr> <td> manitoba </td> <td> 2.5 </td> <td> 2.9 </td> <td> 3.4 </td> <td> 2.5 </td> <td> 2.3 </td> <td> 3.3 </td> <td> 1.6 </td> <td> 2.5 </td> </tr>
<tr> <td> saskatchewan </td> <td> 2.2 </td> <td> 3.1 </td> <td> 1.6 </td> <td> 3.1 </td> <td> 3.0 </td> <td> 3.5 </td> <td> 1.6 </td> <td> 2.3 </td> </tr>
<tr> <td> alberta </td> <td> 10.5 </td> <td> 10.8 </td> <td> 12.2 </td> <td> 12.1 </td> <td> 10.7 </td> <td> 11.0 </td> <td> 7.5 </td> <td> 8.4 </td> </tr>
<tr> <td> british columbia </td> <td> 12.0 </td> <td> 10.7 </td> <td> 14.9 </td> <td> 10.3 </td> <td> 11.4 </td> <td> 11.7 </td> <td> 9.2 </td> <td> 8.9 </td> </tr>
<tr> <td> territories </td> <td> 1.1 </td> <td> 0.3 </td> <td> 1.8 </td> <td> 0.1 </td> <td> 0.9 </td> <td> 0.4 </td> <td> 0.6 </td> <td> 0.4 </td> </tr>
<tr> <td> parents' level of education </td> <td colspan="8">  </td> </tr>
<tr> <td> less than high school </td> <td> 9.9 </td> <td> 12.7 </td> <td> 12.6 </td> <td> 14.9 </td> <td> 8.9 </td> <td> 12.4 </td> <td> 8.2 </td> <td> 9.8 </td> </tr>
<tr> <td> high school </td> <td> 20.8 </td> <td> 25.7 </td> <td> 25.5 </td> <td> 30.0 </td> <td> 20.8 </td> <td> 24.6 </td> <td> 14.2 </td> <td> 20.8 </td> </tr>
<tr> <td> college or trades </td> <td> 28.8 </td> <td> 27.8 </td> <td> 30.8 </td> <td> 32.1 </td> <td> 32.0 </td> <td> 28.2 </td> <td> 19.8 </td> <td> 19.5 </td> </tr>
<tr> <td> university </td> <td> 40.4 </td> <td> 33.7 </td> <td> 31.1 </td> <td> 23.0 </td> <td> 38.3 </td> <td> 34.8 </td> <td> 57.9 </td> <td> 49.9 </td> </tr>
<tr> <td> debt sources </td> <td colspan="8">  </td> </tr>
<tr> <td> government-sponsored loans </td> <td> 63.4 </td> <td> 81.0 </td> <td> 48.6 </td> <td> 79.1 </td> <td> 72.0 </td> <td> 84.3 </td> <td> 67.3 </td> <td> 76.8 </td> </tr>
<tr> <td> loans from family or friends </td> <td> 29.3 </td> <td> 19.8 </td> <td> 42.4 </td> <td> 20.2 </td> <td> 22.9 </td> <td> 18.6 </td> <td> 23.4 </td> <td> 21.8 </td> </tr>
<tr> <td> loans from bank or line of credit </td> <td> 21.8 </td> <td> 33.8 </td> <td> 22.0 </td> <td> 24.1 </td> <td> 18.7 </td> <td> 33.5 </td> <td> 27.5 </td> <td> 51.3 </td> </tr>
<tr> <td> personal characteristics </td> <td colspan="8">  </td> </tr>
<tr> <td> female </td> <td> 54.7 </td> <td> 61.0 </td> <td> 50.5 </td> <td> 63.3 </td> <td> 54.5 </td> <td> 60.3 </td> <td> 60.8 </td> <td> 58.5 </td> </tr>
<tr> <td>  </td> <td> 37.2 </td> <td> 47.6 </td> <td> 45.2 </td> <td> 48.1 </td> <td> 32.7 </td> <td> 48.1 </td> <td> 34.7 </td> <td> 45.8 </td> </tr>
<tr> <td> ever been a landed immigrant </td> <td> 20.7 </td> <td> 21.7 </td> <td> 18.7 </td> <td> 20.9 </td> <td> 19.1 </td> <td> 20.5 </td> <td> 26.4 </td> <td> 25.8 </td> </tr>
<tr> <td> visible minority status </td> <td> 30.6 </td> <td> 30.9 </td> <td> 27.4 </td> <td> 30.8 </td> <td> 32.2 </td> <td> 31.4 </td> <td> 31.9 </td> <td> 30.1 </td> </tr>
<tr> <td> aboriginal status </td> <td> 2.2 </td> <td> 2.4 </td> <td> 2.9 </td> <td> 2.5 </td> <td> 2.5 </td> <td> 2.7 </td> <td> 0.5 </td> <td> 1.5 </td> </tr>
<tr> <td> has a disability </td> <td> 22.0 </td> <td> 28.4 </td> <td> 25.4 </td> <td> 30.8 </td> <td> 21.8 </td> <td> 28.1 </td> <td> 17.7 </td> <td> 25.3 </td> </tr>
</table>