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Table B.3.1
Percentage of graduates who borrowed from government student loan programs and their average debt at graduation, 1995, 2000 and 2005 graduates,1 Canada and provinces

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Province of study and level of education Percentage of graduates who borrowed Average debt at graduation of those who borrowed2 Percentage change in average debt at graduation among those who borrowed
1995 2000 2005 1995 2000 2005 1995 to 2005 2000 to 2005
percentage current dollars percentage
Canada
College 46 47 40 8,900 11,700 10,600 19 -9
Bachelor's 49 51 50 12,000 16,700 15,600 30 -7
Master's 42 53 51 11,300 14,500 13,500 19 -7
Doctorate 32 51 46 10,800 14,900 17,200 59 15
All university 48 51 50 11,900 16,200 15,200 28 -6
Newfoundland and Labrador
College 50 63 57 11,100 14,500 14,500 31 0
Bachelor's 65 75 73 14,400 24,500 24,000 67 -2
Master's 35 62 62 8,300 10,000 13,800 66 38
Doctorate x x 44 x x 10,600E .. …
All university 61 72 71 14,000 22,500 22,500 61 0
Prince Edward Island
College 42 54 56 6,100 11,000 13,600 123 24
Bachelor's 56 60 73 10,900 15,500 21,300 95 37
Master's .. 69E 65 .. 12,900E 3,400E .. -74
Doctorate .. x x .. x x .. …
All university 55 60 73 10,900 16,100 20,500 88 27
Nova Scotia
College 42 50 48 8,800 9,700 11,300 28 16
Bachelor's 55 58 59 12,400 19,300 22,800 84 18
Master's 39 57 56 11,500 12,000 14,900 30 24
Doctorate 26E 32E 41 F 13,700E 27,400E .. 100
All university 52 58 59 12,200 18,200 21,400 75 18
New Brunswick
College 46 61 61 9,100 12,200 12,900 42 6
Bachelor's 58 65 64 13,400 19,300 24,500 83 27
Master's 39 56 54 10,200 14,200 16,500 62 16
Doctorate 50 82 46 F 13,800E 37,000E .. 168
All university 56 64 63 13,100 18,600 23,800 82 28
Quebec
College 57 53 40 7,200 6,700 6,300 -13 -6
Bachelor's 51 49 52 9,500 10,300 8,500 -11 -17
Master's 56 60 65 11,100 12,600 9,700 -13 -23
Doctorate 57 65 55 11,800 15,400 14,100 19 -8
All university 51 52 55 9,800 11,000 8,900 -9 -19
Ontario
College 46 46 38 9,800 14,400 11,500 17 -20
Bachelor's 45 49 46 12,400 19,700 16,200 31 -18
Master's 36 53 43 11,200 17,300 17,000 52 -2
Doctorate 25 48 46 9,700 14,600 20,200 108 38
All university 44 50 46 12,300 19,100 16,400 33 -14
Manitoba
College 26 31 26 7,000 8,900 8,700 24 -2
Bachelor's 37 41 40 10,800 14,700 13,400 24 -9
Master's 26 34 39 9,800 12,800 15,400 57 20
Doctorate 13E 37E 34 F 8,100E 9,900 .. 22
All university 35 40 39 10,700 14,400 13,600 27 -6
Saskatchewan
College 49 51 42 10,800 10,800 12,500 16 16
Bachelor's 49 54 51 16,400 19,000 20,500 25 8
Master's 26 48 40 11,100 14,700 17,200 55 17
Doctorate x 47E 31 x 25,800E 18,000 .. -30
All university 46 53 49 16,100 18,600 20,100 25 8
Alberta
College 47 50 41 8,800 10,300 11,600 32 13
Bachelor's 59 54 49 14,000 16,700 17,700 26 6
Master's 34 39 39 11,600 11,900 12,200 5 3
Doctorate 21 35 40 10,900E 12,700E 11,800 8 -7
All university 54 51 47 13,700 16,100 16,900 23 5
British Columbia
College 28 44 41 10,300 9,900 13,500 31 36
Bachelor's 44 51 50 15,400 16,900 20,800 35 23
Master's 32 47 47 14,300 12,500 16,700 17 34
Doctorate 20 36 38 12,400E 14,800 19,600 58 32
All university 42 50 49 15,200 16,100 20,200 33 25
1. For graduates who incurred government student loans and who reported data two years after graduation.
2. The calculation includes graduates who had paid off government student loans completely at graduation.
Note: Not comparable with Table B.3.2, as table B.3.2 excludes graduates who pursued any further postsecondary education program. To convert this current dollar data to constant dollar amounts for comparison over time, it is recommended that the Consumer Price Index be used. For the index and further details on converting see Table F.1.3. Due to differences in the index chosen, converted data may not be directly comparable to that in Education Indicators in Canada: Report of the Pan-Canadian Education Indicators Program (PCEIP) 2007.
Source: Statistics Canada, National Graduates Survey, 1997, 2002 and 2007 (Classes of 1995, 2000 and 2005).
Date Modified: 2009-06-17

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