| 1 | A | B | C | D | E | F | G | H | I |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 2 | characteristics of graduates with student debt at graduation (in 2015), by repayment status three years later |  |  |  |  |  |  |  |  |
| 3 | characteristics | all levels of study |  | college |  | bachelor's degree holders |  | master's, doctorate and professional degree holders |  |
| 4 |  | full debt repayment | remaining debt | full debt repayment | remaining debt | full debt repayment | remaining debt | full debt repayment | remaining debt |
| 5 | proportion | 35.6 | 64.4 | 34.0 | 66.0 | 35.5 | 64.5 | 38.5 | 61.5 |
| 6 | median debt at graduation | 9,926 | 21,936 | 5,823 | 14,978 | 12,542 | 25,319 | 12,820 | 29,815 |
| 7 | employment income categories | percent |  |  |  |  |  |  |  |
| 8 | no employment income | 11.7 | 15.5 | 10.3 | 14.3 | 11.5 | 15.7 | 14.3 | 17.2 |
| 9 | less than $15,000 | 1.4 | 2.1 | 2.3 | 3.3 | 1.3 | 1.7 | 0.5 | 0.9 |
| 10 | $15,000 to $24,999 | 3.5 | 4.6 | 6.0 | 7.0 | 2.9 | 4.0 | 1.0 | 2.0 |
| 11 | $25,000 to $44,999 | 23.3 | 28.0 | 40.3 | 43.2 | 19.1 | 24.1 | 7.6 | 10.8 |
| 12 | $45,000 to $59,999 | 22.0 | 21.9 | 25.5 | 20.5 | 23.0 | 24.5 | 15.3 | 18.5 |
| 13 | $60,000 to $74,999 | 20.7 | 15.8 | 9.5 | 7.9 | 26.8 | 18.6 | 24.4 | 23.2 |
| 14 | $75,000 and more | 17.3 | 12.0 | 6.0 | 3.9 | 15.6 | 11.4 | 37.0 | 27.3 |
| 15 | debt size |  |  |  |  |  |  |  |  |
| 16 | less than $5,000 | 24.8 | 4.4 | 38.4 | 7.6 | 19.0 | 2.9 | 16.9 | 2.6 |
| 17 | $5,000 to less than $10,000 | 20.4 | 12.5 | 24.3 | 21.3 | 17.8 | 7.6 | 20.0 | 8.7 |
| 18 | $10,000 to less than $25,000 | 34.7 | 37.5 | 31.0 | 44.2 | 37.3 | 34.9 | 34.4 | 31.8 |
| 19 | $25,000 or more | 20.2 | 45.5 | 6.3 | 27.0 | 25.8 | 54.6 | 28.7 | 56.9 |
| 20 | family status |  |  |  |  |  |  |  |  |
| 21 | couple, with children | 16.3 | 18.6 | 16.9 | 18.6 | 12.1 | 14.8 | 23.9 | 27.4 |
| 22 | couple, no children | 28.3 | 26.8 | 25.7 | 21.5 | 26.9 | 27.8 | 34.8 | 33.7 |
| 23 | single, with children | 2.0 | 5.3 | 2.8 | 9.0 | 1.6 | 3.4 | 1.8 | 3.3 |
| 24 | single, no children | 53.3 | 49.2 | 54.6 | 50.9 | 59.4 | 53.9 | 39.4 | 35.7 |
| 25 | province of residence in 2018 |  |  |  |  |  |  |  |  |
| 26 | newfoundland | 0.7 | 0.9 | 0.3 | 0.4 | 0.8 | 1.2 | 1.0 | 1.2 |
| 27 | prince edward island | 0.5 | 0.7 | 0.9 | 1.0 | 0.3 | 0.5 | 0.3 | 0.4 |
| 28 | nova scotia | 2.2 | 4.2 | 3.5 | 5.3 | 1.3 | 3.6 | 2.2 | 3.6 |
| 29 | new brunswick | 1.8 | 2.8 | 2.3 | 3.8 | 1.7 | 2.3 | 1.2 | 2.0 |
| 30 | quebec | 21.7 | 24.1 | 18.0 | 18.0 | 19.9 | 24.0 | 30.6 | 34.7 |
| 31 | ontario | 44.7 | 39.6 | 41.0 | 43.5 | 47.7 | 38.5 | 44.2 | 35.4 |
| 32 | manitoba | 2.5 | 2.9 | 3.4 | 2.5 | 2.3 | 3.3 | 1.6 | 2.5 |
| 33 | saskatchewan | 2.2 | 3.1 | 1.6 | 3.1 | 3.0 | 3.5 | 1.6 | 2.3 |
| 34 | alberta | 10.5 | 10.8 | 12.2 | 12.1 | 10.7 | 11.0 | 7.5 | 8.4 |
| 35 | british columbia | 12.0 | 10.7 | 14.9 | 10.3 | 11.4 | 11.7 | 9.2 | 8.9 |
| 36 | territories | 1.1 | 0.3 | 1.8 | 0.1 | 0.9 | 0.4 | 0.6 | 0.4 |
| 37 | parents' level of education |  |  |  |  |  |  |  |  |
| 38 | less than high school | 9.9 | 12.7 | 12.6 | 14.9 | 8.9 | 12.4 | 8.2 | 9.8 |
| 39 | high school | 20.8 | 25.7 | 25.5 | 30.0 | 20.8 | 24.6 | 14.2 | 20.8 |
| 40 | college or trades | 28.8 | 27.8 | 30.8 | 32.1 | 32.0 | 28.2 | 19.8 | 19.5 |
| 41 | university | 40.4 | 33.7 | 31.1 | 23.0 | 38.3 | 34.8 | 57.9 | 49.9 |
| 42 | debt sources |  |  |  |  |  |  |  |  |
| 43 | government-sponsored loans | 63.4 | 81.0 | 48.6 | 79.1 | 72.0 | 84.3 | 67.3 | 76.8 |
| 44 | loans from family or friends | 29.3 | 19.8 | 42.4 | 20.2 | 22.9 | 18.6 | 23.4 | 21.8 |
| 45 | loans from bank or line of credit | 21.8 | 33.8 | 22.0 | 24.1 | 18.7 | 33.5 | 27.5 | 51.3 |
| 46 | personal characteristics |  |  |  |  |  |  |  |  |
| 47 | female | 54.7 | 61.0 | 50.5 | 63.3 | 54.5 | 60.3 | 60.8 | 58.5 |
| 48 | older than median age at graduation | 37.2 | 47.6 | 45.2 | 48.1 | 32.7 | 48.1 | 34.7 | 45.8 |
| 49 | ever been a landed immigrant | 20.7 | 21.7 | 18.7 | 20.9 | 19.1 | 20.5 | 26.4 | 25.8 |
| 50 | visible minority status | 30.6 | 30.9 | 27.4 | 30.8 | 32.2 | 31.4 | 31.9 | 30.1 |
| 51 | aboriginal status | 2.2 | 2.4 | 2.9 | 2.5 | 2.5 | 2.7 | 0.5 | 1.5 |
| 52 | has a disability | 22.0 | 28.4 | 25.4 | 30.8 | 21.8 | 28.1 | 17.7 | 25.3 |

Question: what was the percentage of the 2015 graduates who graduated with student debt still had an outstanding debt after three years?
Answer: 64.4

Question: what was the percentage of graduates with a professional degree who graduated with student debt still had an outstanding debt after three years ?
Answer: 61.5

Question: what was the percentage of college graduates who graduated with student debt still had an outstanding debt after three years ?
Answer: 66

Question: the median student debt at graduation for those who had not repaid their debt in 2018 was at least twice as high as for those who had repaid their debt in full in three years.what was the times the median student debt at graduation for those who had not repaid their debt in 2018 higher than those who had repaid their debt in full in three years?
Answer: 2.209954

Question: what was the median debt at graduation for those who had not repaid their debt after three years?
Answer: 21936

Question: what was the median debt at graduation for those who had repaid their debt?
Answer: 9926