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Digest of Education Statistics
2023 Tables and Figures All Years of Tables and Figures Most Recent Full Issue of the Digest


Table 331.95.Percentage of undergraduate degree/certificate completers who ever received loans and average cumulative amount borrowed, by degree level, selected student characteristics, and institution control: Selected academic years, 1999-2000 through 2019-20
[Standard errors appear in parentheses]
Degree level, selected student characteristic, and institution control 1999–2000 2011–12 2015–16 2019–20
Loans to students Parent PLUS Loans1 Loans to students Parent PLUS Loans1 Loans to students Parent PLUS Loans1 Loans to students Parent PLUS Loans1
Total loans to students Federal
loans to students
Total loans to students Federal
loans to students
Nonfederal
loans
Total loans to students Federal
loans to students
Nonfederal
loans
Total loans to students Federal
loans to students
Nonfederal
loans
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
Percent of completers who ever received loans
   Total, all completers  52.5 (0.75) 50.5 (0.74) 7.2 (0.27) 61.6 (0.62) 58.6 (0.62) 24.8 (0.50) 10.5 (0.40) 61.8 (0.55) 59.7 (0.56) 10.4 (0.27) 10.3 (0.24) 55.1 (0.62) 53.3 (0.63) 12.6 (0.49) 10.0 (0.39)

Certificate below associate's level

43.5


(2.64)

39.6


(2.57)

3.3


(0.55)

66.3


(1.71)

63.8


(1.79)

23.4


(1.25)

7.9


(0.83)

67.7


(1.76)

65.9


(1.88)

9.2


(0.71)

7.2


(0.65)

63.7


(1.42)

61.5


(1.47)

15.6


(1.24)

8.2


(0.86)
  Gender
    Male  39.3 (3.48) 35.9 (3.55) 3.4 (0.81) 58.0 (2.93) 55.9 (3.00) 21.5 (2.01) 8.7 (1.67) 57.4 (3.21) 55.9 (3.25) 7.7 (0.86) 8.4 (1.25) 45.7 (3.34) 43.2 (3.41) 10.7 (1.65) 7.7 (1.41)
    Female  46.7 (3.12) 42.5 (2.95) 3.3 (0.68) 70.0 (1.90) 67.2 (1.96) 24.2 (1.50) 7.6 (0.93) 73.6 (1.75) 71.6 (1.87) 10.0 (0.93) 6.6 (0.76) 74.3 (1.67) 72.1 (1.82) 18.5 (1.54) 8.6 (1.07)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) (†) (†) (†) (†)
  Institution control
    Public  27.1 (2.64) 22.2 (2.26) 0.9 ! (0.39) 36.2 (3.17) 31.8 (3.18) 10.5 (1.81) 1.8 ! (0.74) 44.6 (2.43) 43.0 (2.47) 4.3 (0.96) 3.4 (0.82) 33.5 (2.48) 30.6 (2.47) 5.0 (0.84) 4.2 (1.08)
    Private nonprofit  53.2 (7.86) 49.8 (7.91) 9.8 ! (3.05) 76.1 (5.06) 73.3 (5.80) 23.1 (4.84) (†) 80.1 (3.50) 76.4 (4.97) 11.9 (2.42) 6.4 ! (2.07) 74.8 (8.96) 72.5 (9.59) 17.6 ! (8.40) (†)
    Private for-profit  86.3 (1.60) 85.0 (1.75) 8.5 (1.33) 85.9 (1.73) 84.6 (1.92) 32.2 (1.64) 12.0 (1.27) 87.5 (1.58) 85.7 (1.89) 13.3 (1.11) 11.0 (0.98) 90.3 (1.00) 88.5 (1.31) 25.0 (2.24) 11.1 (1.18)

Associate's degree

38.9


(1.59)

36.9


(1.65)

4.3


(0.54)

49.8


(1.09)

46.1


(1.03)

18.7


(0.83)

5.0


(0.44)

48.1


(1.04)

46.2


(1.04)

5.8


(0.46)

5.1


(0.42)

39.0


(1.43)

37.5


(1.43)

7.1


(0.66)

4.3


(0.52)
  Gender
    Male  37.9 (2.76) 36.0 (2.82) 5.8 (1.28) 46.2 (1.75) 42.1 (1.73) 18.6 (1.05) 6.0 (0.75) 41.9 (1.48) 39.8 (1.46) 5.3 (0.72) 5.4 (0.72) 35.6 (1.99) 33.9 (1.96) 7.4 (1.05) 3.8 (0.67)
    Female  39.4 (2.04) 37.4 (2.11) 3.5 (0.80) 52.3 (1.41) 48.9 (1.29) 18.9 (1.13) 4.3 (0.47) 52.5 (1.25) 50.8 (1.28) 6.1 (0.58) 4.9 (0.49) 41.3 (1.82) 39.8 (1.79) 7.0 (0.76) 4.7 (0.65)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) 33.7 ! (16.53) 33.5 ! (16.55) (†) (†)
  Race/ethnicity
    American Indian/Alaska Native  (†) (†) (†) 64.6 (11.14) 64.6 (11.14) (†) (†) 67.2 (10.02) 63.3 (10.20) 19.0 ! (8.22) (†) 38.0 ! (14.28) 38.0 ! (14.28) (†) (†)
    Asian  16.9 ! (5.79) 16.3 ! (5.73) (†) 26.1 (4.11) 23.0 (3.93) 9.9 (2.87) 6.1 ! (2.18) 26.7 (3.28) 22.1 (3.07) 6.2 ! (1.95) 2.5 ! (0.88) 24.1 (3.36) 22.3 (3.13) 5.9 ! (2.15) 2.6 ! (1.06)
    Black  44.5 (4.38) 42.3 (4.26) 2.8 ! (1.06) 66.2 (2.62) 60.8 (2.67) 22.1 (2.06) 3.2 (0.93) 66.7 (2.41) 65.6 (2.48) 5.4 (1.03) 4.2 (0.72) 60.0 (3.11) 59.3 (3.10) 7.7 (1.51) 6.0 (1.49)
    Hispanic  41.3 (5.26) 39.5 (5.00) 7.2 ! (2.98) 44.6 (2.34) 40.7 (2.28) 15.8 (1.60) 5.9 (1.18) 35.4 (1.89) 34.0 (1.86) 3.6 (0.70) 4.1 (0.73) 32.1 (2.32) 30.5 (2.29) 6.1 (0.89) 3.4 (0.71)
    Pacific Islander  (†) (†) (†) (†) (†) (†) (†) 47.3 (11.14) 41.7 (11.28) (†) (†) (†) (†) (†) (†)
    White  39.5 (2.04) 37.4 (2.03) 4.5 (0.76) 49.2 (1.52) 45.7 (1.54) 19.8 (1.11) 5.0 (0.54) 50.2 (1.60) 48.4 (1.63) 6.4 (0.66) 6.1 (0.67) 40.6 (1.63) 38.9 (1.57) 7.7 (0.92) 5.2 (0.84)
    Other3 (†) (†) (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  (†) (†) (†) 52.1 (6.13) 51.5 (5.97) 21.9 (5.24) 6.2 ! (2.47) 47.1 (5.10) 45.5 (5.18) 6.4 ! (2.55) 4.6 ! (1.95) 38.5 (5.84) 37.1 (5.86) 8.2 ! (2.77) (†)
  Dependency status
    Dependent  36.7 (2.91) 35.6 (2.89) 8.9 (1.38) 41.3 (1.57) 38.6 (1.54) 16.2 (1.10) 7.9 (0.79) 34.9 (1.57) 33.2 (1.50) 4.4 (0.51) 5.3 (0.59) 23.9 (1.54) 22.2 (1.39) 5.6 (0.81) 4.2 (0.63)
    Independent  40.1 (1.87) 37.6 (2.04) 1.7 (0.50) 54.7 (1.39) 50.4 (1.34) 20.2 (1.01) 3.3 (0.48) 55.4 (1.29) 53.4 (1.35) 6.5 (0.65) 5.0 (0.59) 51.0 (1.93) 49.6 (1.92) 8.3 (0.99) 4.5 (0.66)
  Institution control
    Public  32.6 (1.66) 30.6 (1.69) 1.9 (0.48) 42.1 (1.28) 38.1 (1.17) 14.9 (0.87) 3.2 (0.40) 40.9 (1.15) 38.8 (1.15) 4.8 (0.49) 3.9 (0.47) 32.8 (1.08) 31.2 (1.04) 4.9 (0.55) 3.1 (0.41)
    Private nonprofit  45.7 (5.92) 43.0 (5.63) 11.1 ! (3.83) 86.9 (5.23) 84.8 (6.80) 43.2 (6.75) 12.5 ! (4.28) 83.9 (3.01) 83.1 (3.26) 11.9 (3.49) 9.0 (1.99) 77.3 (6.45) 76.6 (6.46) 19.9 (4.25) 18.7 (4.64)
    Private for-profit  92.5 (1.29) 91.6 (1.20) 22.4 (3.49) 88.3 (1.77) 86.4 (1.87) 37.2 (1.93) 14.1 (1.63) 88.3 (1.16) 87.8 (1.15) 10.6 (0.86) 12.4 (1.02) 92.8 (1.96) 91.3 (2.07) 27.0 (4.38) 10.8 (2.30)

Bachelor's degree

62.2


(0.70)

61.0


(0.70)

10.2


(0.40)

69.0


(0.75)

66.3


(0.72)

29.8


(0.79)

15.5


(0.68)

68.9


(0.62)

66.7


(0.64)

13.8


(0.33)

14.6


(0.36)

61.0


(0.86)

59.2


(0.86)

14.6


(0.73)

13.3


(0.55)
  Gender
    Male  61.4 (1.00) 60.2 (1.01) 10.6 (0.56) 67.0 (1.39) 63.9 (1.37) 29.4 (1.20) 15.1 (1.00) 65.7 (0.85) 63.3 (0.86) 13.3 (0.53) 14.8 (0.57) 54.4 (1.55) 51.9 (1.54) 14.2 (0.90) 12.7 (0.88)
    Female  62.8 (0.94) 61.6 (0.92) 9.8 (0.54) 70.5 (0.94) 68.2 (0.92) 30.1 (1.04) 15.9 (0.92) 71.4 (0.71) 69.3 (0.75) 14.2 (0.44) 14.4 (0.46) 66.1 (1.07) 64.7 (1.08) 14.8 (0.96) 13.4 (0.65)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) 51.8 (12.32) 51.6 (12.34) 17.2 ! (7.00) 21.2 ! (8.09)
  Race/ethnicity
    American Indian/Alaska Native  75.2 (6.58) 71.8 (6.80) 3.8 ! (1.73) 61.5 (11.92) 60.2 (12.04) 19.5 ! (8.06) (†) 76.1 (5.87) 69.9 (6.68) 14.4 (4.23) 6.9 ! (2.22) 75.1 (9.30) 64.8 (12.14) (†) (†)
    Asian  50.2 (2.43) 49.0 (2.55) 4.3 (0.85) 47.2 (3.22) 42.7 (3.02) 20.5 (2.49) 7.8 (1.70) 45.1 (2.04) 41.4 (1.98) 10.6 (1.02) 8.7 (1.19) 40.8 (3.05) 39.3 (3.11) 10.0 (2.20) 6.9 (1.35)
    Black  80.5 (1.81) 80.0 (1.82) 13.9 (1.66) 84.2 (1.78) 82.0 (1.92) 33.2 (2.37) 16.9 (1.83) 84.9 (1.17) 83.8 (1.20) 10.6 (1.03) 16.7 (1.23) 82.9 (2.36) 81.4 (2.43) 11.1 (1.57) 25.9 (2.31)
    Hispanic  68.7 (1.86) 67.1 (2.00) 11.7 (1.69) 71.9 (2.42) 69.2 (2.32) 30.0 (2.08) 15.1 (1.82) 66.6 (1.57) 64.7 (1.59) 10.2 (0.80) 11.8 (0.94) 62.1 (2.06) 60.4 (2.13) 12.8 (1.30) 11.3 (1.22)
    Pacific Islander  66.7 (6.35) 66.7 (6.35) 19.1 (5.45) (†) (†) (†) (†) 89.4 (4.56) 80.7 (8.09) 18.3 ! (8.05) 14.1 ! (5.77) 49.9 ! (16.37) 41.8 ! (16.34) (†) (†)
    White  60.7 (0.87) 59.5 (0.85) 10.2 (0.45) 67.5 (0.94) 64.8 (0.92) 30.2 (1.03) 16.0 (0.87) 69.4 (0.69) 67.1 (0.70) 15.5 (0.45) 15.7 (0.44) 60.9 (1.04) 59.1 (1.03) 16.7 (0.82) 12.6 (0.73)
    Other3 53.5 (6.22) 53.1 (6.19) 6.3 ! (2.25) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  55.0 (5.12) 52.7 (5.48) 7.6 (1.95) 81.0 (3.68) 78.7 (3.94) 31.7 (4.43) 21.0 (4.63) 72.9 (2.35) 70.1 (2.60) 17.5 (2.58) 17.1 (2.01) 63.9 (4.12) 62.5 (3.97) 13.2 (2.70) 17.9 (3.28)
  Dependency status
    Dependent  59.2 (0.95) 58.0 (0.92) 14.4 (0.63) 64.9 (1.09) 61.6 (1.06) 29.8 (1.02) 21.0 (0.96) 65.9 (0.69) 63.4 (0.70) 15.9 (0.43) 18.9 (0.54) 56.2 (1.05) 54.1 (1.06) 15.1 (0.82) 15.1 (0.76)
    Independent  65.9 (0.92) 64.8 (0.94) 4.9 (0.34) 74.1 (1.16) 72.2 (1.13) 29.7 (1.19) 8.6 (0.76) 72.6 (0.92) 70.6 (0.97) 11.3 (0.52) 9.3 (0.50) 68.6 (1.44) 67.2 (1.41) 13.9 (1.19) 10.3 (0.85)
  Institution control
    Public  60.0 (0.80) 58.8 (0.81) 8.3 (0.42) 64.1 (0.89) 61.2 (0.86) 25.9 (0.84) 13.5 (0.69) 66.4 (0.68) 64.1 (0.66) 11.7 (0.40) 13.7 (0.45) 58.7 (1.09) 57.1 (1.12) 12.9 (0.75) 12.2 (0.67)
    Private nonprofit  66.2 (1.16) 65.2 (1.17) 14.1 (0.93) 73.5 (1.72) 70.7 (1.74) 34.6 (1.83) 21.5 (1.75) 69.2 (0.94) 66.7 (0.96) 17.9 (0.75) 17.0 (0.66) 61.3 (1.48) 58.8 (1.44) 17.8 (1.24) 16.2 (1.06)
    Private for-profit  77.2 (4.41) 77.0 (4.45) 10.8 ! (3.55) 87.2 (1.62) 86.3 (1.59) 40.5 (1.76) 10.9 (1.17) 86.5 (1.95) 85.3 (2.43) 15.1 (1.16) 12.7 (1.63) 82.3 (3.11) 81.0 (3.24) 17.5 (5.22) 11.0 (1.68)
Average cumulative loan amount for students with loans (current dollars)4
   Total, all completers  $14,260 (186) $13,540 (162) $12,630 (443) $23,050 (285) $19,510 (208) $11,210 (450) $22,990 (1,197) $24,480 (336) $22,520 (305) $16,160 (439) $27,170 (676) $25,670 (450) $21,830 (306) $19,930 (997) $34,630 (1,462)

Certificate below associate's level

7,790


(418)

7,150


(330)

6,850


(1,081)

13,280


(374)

11,380


(343)

6,630


(526)

8,900


(612)

15,520


(502)

14,280


(413)

12,080


(1,649)

12,920


(1,158)

15,680


(465)

13,740


(422)

9,900


(1,128)

14,600


(2,355)
  Gender
    Male  8,110 (533) 7,550 (544) 8,290 (2,316) 13,370 (743) 10,970 (629) 7,540 (1,314) 10,080 (1,199) 15,380 (1,091) 13,760 (891) 14,630 (3,942) 16,320 (2,136) 14,870 (1,013) 12,780 (907) 11,890 (2,473) 17,870 (3,875)
    Female  7,590 (492) 6,900 (373) 5,720 (941) 13,250 (393) 11,520 (357) 6,280 (510) 8,300 (775) 15,590 (476) 14,520 (423) 10,950 (1,549) 10,450 (1,172) 15,930 (581) 14,030 (506) 9,260 (1,330) 12,980 (2,189)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) (†) (†) (†) (†)
  Institution control
    Public  7,640 (819) 7,540 (623) (†) 12,420 (1,151) 11,030 (1,095) 9,410 (2,241) (†) 16,400 (1,080) 15,550 (946) (†) (†) 15,430 (1,328) 15,480 (1,226) 8,290 ! (3,566) 21,450 (5,027)
    Private nonprofit  11,240 (2,280) 9,880 (1,828) 9,680 (2,443) 15,820 (2,721) 11,850 (1,463) 14,530 ! (6,937) (†) 17,110 (2,536) 15,840 (1,951) 13,520 ! (6,105) 17,470 ! (6,447) 21,660 (4,683) 15,260 (2,874) 29,200 (#) (†)
    Private for-profit  7,470 (323) 6,540 (287) 6,260 (1,604) 13,320 (345) 11,430 (329) 5,510 (338) 9,180 (650) 14,880 (434) 13,480 (326) 11,040 (1,616) 11,110 (943) 15,450 (401) 13,120 (446) 9,320 (803) 9,240 (803)

Associate's degree

9,490


(334)

8,840


(339)

7,630


(1,046)

17,160


(359)

15,130


(305)

8,370


(413)

14,830


(1,095)

18,550


(408)

18,060


(392)

9,950


(1,136)

12,980


(1,148)

18,920


(752)

17,460


(642)

11,830


(965)

18,960


(2,062)
  Gender
    Male  9,320 (698) 8,590 (663) 7,860 (2,013) 15,950 (536) 13,930 (418) 8,090 (561) 16,000 (1,696) 17,010 (652) 16,150 (552) 13,220 (2,547) 13,500 (1,712) 17,340 (996) 16,220 (835) 9,060 (1,379) 18,310 (2,371)
    Female  9,570 (436) 8,970 (384) 7,430 (803) 17,900 (535) 15,850 (447) 8,570 (621) 13,690 (1,445) 19,420 (492) 19,110 (485) 7,970 (792) 12,580 (1,338) 19,810 (862) 18,210 (761) 13,300 (1,255) 18,890 (2,884)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) (†) (†) (†) (†)
  Race/ethnicity
    American Indian/Alaska Native  (†) (†) (†) 22,330 (3,730) 22,100 (3,720) (†) (†) 18,230 (3,431) 17,830 (3,110) (†) (†) (†) (†) (†) (†)
    Asian  (†) (†) (†) 13,580 (1,965) 13,400 (1,786) 4,640 (902) (†) 16,830 (1,772) 17,720 (1,981) 9,340 (2,170) (†) 17,310 (3,716) 15,070 (2,201) 13,740 ! (5,568) (†)
    Black  9,500 (771) 8,590 (659) (†) 19,280 (922) 17,580 (783) 9,380 (1,321) 15,050 (4,419) 22,300 (834) 21,930 (792) 9,020 (2,182) 11,310 (1,748) 22,660 (1,593) 21,500 (1,477) 10,940 (1,670) 11,620 (1,919)
    Hispanic  8,840 (2,037) 9,090 (2,124) (†) 15,170 (912) 14,020 (786) 6,650 (667) 12,220 (1,572) 15,970 (904) 15,590 (928) 9,770 (1,659) 12,440 (1,563) 16,520 (1,128) 14,790 (964) 13,060 (1,826) 22,620 (4,519)
    Pacific Islander  (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†)
    White  9,590 (480) 8,910 (433) 8,510 (1,285) 17,110 (485) 14,630 (377) 8,810 (577) 15,400 (1,429) 17,760 (533) 17,100 (486) 10,210 (1,837) 13,350 (1,638) 18,930 (948) 17,590 (848) 11,010 (1,251) 18,630 (3,253)
    Other3 (†) (†) (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  (†) (†) (†) 17,570 (1,740) 15,260 (1,453) 5,920 (1,367) (†) 21,790 (2,159) 20,940 (2,134) (†) (†) 18,930 (2,597) 16,650 (2,303) (†) (†)
  Dependency status
    Dependent  8,280 (530) 7,400 (452) 8,830 (1,306) 13,240 (512) 11,200 (391) 7,090 (618) 15,520 (1,739) 12,140 (438) 11,660 (440) 8,340 (1,100) 15,470 (1,677) 13,420 (669) 11,350 (532) 12,220 (1,457) 22,260 (2,973)
    Independent  10,120 (479) 9,630 (459) (†) 18,860 (471) 16,860 (420) 8,960 (534) 13,880 (1,419) 20,780 (474) 20,250 (448) 10,550 (1,504) 11,510 (1,381) 20,950 (936) 19,610 (796) 11,620 (1,162) 16,540 (2,942)
  Institution control
    Public  8,060 (431) 7,360 (398) (†) 13,970 (349) 12,300 (315) 8,080 (538) 12,070 (1,154) 15,640 (511) 15,230 (494) 10,110 (1,639) 11,600 (1,490) 15,530 (626) 14,890 (590) 9,160 (1,146) 18,960 (2,949)
    Private nonprofit  11,850 (1,035) 11,950 (999) (†) 25,310 (2,076) 20,420 (1,564) 10,790 (2,742) (†) 24,830 (1,159) 23,890 (1,239) 8,180 (2,395) 14,950 (2,567) 29,170 (2,489) 25,770 (2,248) 14,140 (1,847) 23,830 (3,535)
    Private for-profit  13,440 (685) 12,540 (672) 9,550 (1,804) 24,680 (624) 21,550 (537) 8,550 (486) 17,590 (1,854) 26,420 (512) 25,340 (537) 10,220 (718) 15,740 (1,994) 28,530 (2,056) 24,090 (1,347) 16,610 (2,009) 14,370 (2,331)

Bachelor's degree

17,480


(204)

16,530


(180)

14,350


(548)

29,380


(456)

24,400


(295)

13,760


(704)

27,350


(1,613)

29,910


(402)

27,050


(384)

18,700


(432)

32,600


(796)

30,500


(593)

25,360


(385)

24,640


(1,241)

40,360


(1,783)
  Gender
    Male  17,470 (247) 16,530 (232) 14,730 (784) 29,030 (666) 23,740 (451) 14,630 (1,044) 29,780 (3,015) 28,920 (477) 26,120 (429) 18,760 (800) 33,790 (1,296) 29,760 (847) 24,030 (502) 26,080 (1,756) 45,410 (3,026)
    Female  17,490 (256) 16,530 (230) 14,050 (627) 29,650 (551) 24,890 (378) 13,090 (857) 25,530 (1,602) 30,610 (451) 27,710 (420) 18,650 (641) 31,660 (967) 30,840 (707) 26,000 (437) 24,040 (1,648) 36,400 (2,127)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) 35,530 (8,295) 32,030 (9,288) (†) (†)
  Race/ethnicity
    American Indian/Alaska Native  18,770 (1,553) 18,290 (1,646) (†) (†) (†) (†) (†) 26,380 (2,659) 25,550 (2,696) (†) (†) (†) (†) (†) (†)
    Asian  14,540 (619) 13,990 (545) 20,260 (4,188) 23,130 (1,259) 20,740 (1,041) 10,070 (2,255) (†) 25,450 (1,094) 22,770 (882) 19,250 (2,191) 34,080 (3,962) 30,470 (2,947) 23,050 (1,398) 33,880 (5,355) 60,260 (9,449)
    Black  19,510 (793) 18,760 (718) 10,880 (1,006) 33,020 (1,066) 29,200 (842) 11,620 (1,662) 24,490 (4,344) 34,000 (877) 32,370 (809) 16,450 (1,555) 24,800 (2,009) 33,960 (926) 32,210 (792) 17,330 (2,796) 33,440 (3,213)
    Hispanic  17,450 (821) 16,270 (626) 13,810 (1,693) 29,520 (1,584) 23,710 (825) 16,050 (2,820) 26,470 (3,900) 26,820 (774) 25,420 (725) 13,900 (1,028) 29,440 (2,070) 27,020 (1,076) 23,470 (792) 20,360 (3,048) 40,650 (4,268)
    Pacific Islander  18,380 (1,787) 16,850 (1,222) (†) (†) (†) (†) (†) 26,520 (3,981) 27,690 (3,236) (†) (†) (†) (†) (†) (†)
    White  17,370 (211) 16,390 (195) 14,720 (591) 29,060 (579) 23,690 (354) 14,050 (766) 27,450 (2,033) 30,090 (346) 26,460 (325) 20,040 (595) 34,370 (1,088) 30,720 (721) 24,530 (544) 25,310 (1,397) 39,970 (2,592)
    Other3 16,210 (1,378) 15,250 (1,361) (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  17,720 (1,352) 16,470 (1,229) (†) 28,050 (1,731) 23,950 (1,427) 12,250 (2,067) (†) 29,680 (1,097) 27,280 (940) 14,490 (1,605) 40,070 (3,890) 30,420 (2,067) 26,670 (1,776) 20,990 (4,089) 42,330 (5,166)
  Dependency status
    Dependent  16,910 (221) 15,620 (177) 15,680 (671) 26,070 (575) 20,370 (285) 14,700 (917) 28,410 (1,566) 26,760 (282) 22,450 (199) 21,340 (575) 36,790 (1,047) 27,280 (542) 21,110 (240) 25,980 (1,432) 47,510 (2,085)
    Independent  18,110 (320) 17,540 (300) 9,490 (802) 33,040 (637) 28,740 (481) 12,570 (905) 24,060 (4,374) 33,340 (649) 32,010 (587) 14,230 (634) 22,420 (1,257) 34,640 (999) 30,730 (703) 22,350 (2,205) 23,910 (2,469)
  Institution control
    Public  16,210 (233) 15,700 (213) 11,600 (550) 25,640 (454) 22,030 (336) 11,400 (621) 20,460 (1,080) 26,930 (278) 25,000 (235) 15,770 (611) 27,530 (990) 27,430 (511) 23,390 (360) 21,210 (1,211) 35,710 (2,192)
    Private nonprofit  19,620 (373) 17,810 (313) 17,950 (810) 32,310 (1,181) 24,610 (594) 18,370 (1,698) 37,130 (3,739) 31,890 (453) 26,670 (331) 23,840 (766) 41,940 (1,853) 33,910 (1,035) 26,720 (917) 28,640 (1,960) 51,290 (3,448)
    Private for-profit  24,040 (1,204) 23,170 (1,160) (†) 40,040 (798) 34,880 (612) 11,870 (911) 25,650 (2,506) 41,320 (1,592) 39,150 (1,303) 15,460 (1,060) 31,890 (2,316) 40,970 (3,589) 34,740 (1,361) 31,980 (8,617) 22,370 ! (8,336)
Average cumulative loan amount for students with loans (constant 2022-23 dollars)4,5
   Total, all completers  $25,240 (330) $23,960 (287) $22,360 (783) $30,360 (375) $25,690 (274) $14,770 (592) $30,280 (1,576) $30,790 (422) $28,320 (383) $20,320 (552) $34,170 (850) $29,910 (524) $25,440 (357) $23,220 (1,162) $40,350 (1,704)

Certificate below associate's level

13,790


(741)

12,660


(584)

12,120


(1,913)

17,490


(492)

14,980


(452)

8,740


(693)

11,720


(805)

19,520


(631)

17,960


(520)

15,190


(2,074)

16,250


(1,457)

18,270


(542)

16,010


(492)

11,530


(1,314)

17,010


(2,744)
  Gender
    Male  14,350 (943) 13,370 (964) 14,680 (4,100) 17,600 (978) 14,450 (829) 9,930 (1,730) 13,280 (1,579) 19,340 (1,372) 17,310 (1,121) 18,400 (4,957) 20,530 (2,687) 17,320 (1,180) 14,890 (1,057) 13,860 (2,881) 20,810 (4,515)
    Female  13,440 (872) 12,220 (661) 10,130 (1,665) 17,450 (517) 15,180 (470) 8,270 (671) 10,930 (1,021) 19,610 (598) 18,260 (532) 13,770 (1,948) 13,150 (1,475) 18,560 (677) 16,340 (589) 10,790 (1,550) 15,130 (2,550)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) (†) (†) (†) (†)
  Institution control
    Public  13,530 (1,449) 13,350 (1,103) (†) 16,350 (1,516) 14,530 (1,442) 12,390 (2,951) (†) 20,630 (1,358) 19,560 (1,190) (†) (†) 17,970 (1,547) 18,040 (1,428) 9,650 (4,155) 24,990 (5,857)
    Private nonprofit  19,890 (4,035) 17,490 (3,235) 17,140 (4,325) 20,840 (3,584) 15,610 (1,927) 19,130 ! (9,136) (†) 21,520 (3,189) 19,920 (2,453) 17,000 ! (7,679) 21,970 ! (8,108) 25,230 (5,456) 17,780 (3,348) 34,020 (#) (†)
    Private for-profit  13,230 (572) 11,580 (507) 11,080 (2,839) 17,540 (454) 15,050 (434) 7,250 (445) 12,090 (856) 18,720 (546) 16,950 (410) 13,890 (2,032) 13,980 (1,186) 18,000 (467) 15,290 (520) 10,860 (936) 10,760 (935)

Associate's degree

16,790


(592)

15,660


(600)

13,510


(1,851)

22,600


(473)

19,920


(402)

11,030


(543)

19,530


(1,442)

23,340


(514)

22,720


(492)

12,510


(1,428)

16,330


(1,444)

22,040


(876)

20,340


(748)

13,780


(1,124)

22,100


(2,402)
  Gender
    Male  16,500 (1,236) 15,210 (1,175) 13,920 (3,563) 21,000 (706) 18,350 (551) 10,650 (738) 21,070 (2,233) 21,390 (819) 20,320 (695) 16,630 (3,204) 16,970 (2,153) 20,210 (1,160) 18,900 (972) 10,550 (1,607) 21,330 (2,762)
    Female  16,950 (772) 15,880 (680) 13,150 (1,421) 23,580 (705) 20,870 (588) 11,290 (818) 18,020 (1,904) 24,420 (618) 24,040 (611) 10,020 (996) 15,820 (1,682) 23,080 (1,004) 21,220 (886) 15,490 (1,463) 22,010 (3,360)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) (†) (†) (†) (†)
  Race/ethnicity
    American Indian/Alaska Native  (†) (†) (†) 22,330 (3,730) 22,100 (3,720) (†) (†) 22,920 (4,316) 22,430 (3,912) (†) (†) (†) (†) (†) (†)
    Asian  (†) (†) (†) 17,880 (2,588) 17,650 (2,352) 6,110 (1,187) (†) 21,170 (2,228) 22,280 (2,491) 11,750 (2,730) (†) 20,170 (4,329) 17,560 (2,564) 16,010 (6,487) (†)
    Black  16,820 (1,365) 15,210 (1,167) (†) 25,390 (1,214) 23,150 (1,031) 12,360 (1,740) 19,820 (5,819) 28,050 (1,049) 27,590 (996) 11,340 (2,744) 14,230 (2,199) 26,400 (1,855) 25,050 (1,721) 12,740 (1,946) 13,540 (2,236)
    Hispanic  15,650 (3,605) 16,090 (3,760) (†) 19,980 (1,201) 18,460 (1,035) 8,760 (879) 16,100 (2,070) 20,090 (1,137) 19,610 (1,167) 12,280 (2,086) 15,650 (1,966) 19,250 (1,314) 17,230 (1,124) 15,210 (2,127) 26,360 (5,265)
    Pacific Islander  (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†) (†)
    White  16,970 (849) 15,760 (767) 15,060 (2,275) 22,540 (639) 19,260 (497) 11,600 (759) 20,280 (1,882) 22,330 (671) 21,510 (611) 12,840 (2,310) 16,790 (2,060) 22,060 (1,104) 20,490 (988) 12,820 (1,458) 21,700 (3,790)
    Other3 (†) (†) (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  (†) (†) (†) 23,140 (2,291) 20,100 (1,913) 7,800 (1,800) (†) 27,410 (2,715) 26,340 (2,685) (†) (†) 22,050 (3,026) 19,390 (2,684) (†) (†)
  Dependency status
    Dependent  14,670 (939) 13,090 (800) 15,620 (2,312) 17,440 (675) 14,750 (515) 9,340 (814) 20,440 (2,291) 15,270 (551) 14,660 (554) 10,490 (1,383) 19,460 (2,109) 15,630 (779) 13,220 (619) 14,230 (1,698) 25,940 (3,464)
    Independent  17,910 (848) 17,040 (813) (†) 24,830 (621) 22,200 (554) 11,800 (703) 18,290 (1,868) 26,140 (597) 25,470 (563) 13,260 (1,892) 14,470 (1,737) 24,410 (1,090) 22,840 (927) 13,530 (1,354) 19,270 (3,428)
  Institution control
    Public  14,270 (763) 13,040 (705) (†) 18,400 (459) 16,200 (415) 10,640 (708) 15,900 (1,520) 19,670 (643) 19,160 (621) 12,710 (2,062) 14,590 (1,874) 18,090 (729) 17,350 (687) 10,670 (1,335) 22,090 (3,435)
    Private nonprofit  20,970 (1,832) 21,150 (1,769) (†) 33,330 (2,734) 26,890 (2,060) 14,210 (3,611) (†) 31,230 (1,458) 30,050 (1,559) 10,290 (3,012) 18,810 (3,228) 33,980 (2,900) 30,020 (2,619) 16,470 (2,151) 27,770 (4,119)
    Private for-profit  23,790 (1,213) 22,210 (1,190) 16,910 (3,193) 32,510 (822) 28,370 (708) 11,250 (640) 23,160 (2,442) 33,230 (644) 31,880 (676) 12,850 (903) 19,790 (2,508) 33,240 (2,396) 28,070 (1,570) 19,350 (2,341) 16,750 (2,716)

Bachelor's degree

30,940


(361)

29,270


(319)

25,410


(970)

38,700


(601)

32,130


(389)

18,120


(928)

36,020


(2,125)

37,620


(505)

34,030


(483)

23,510


(543)

41,000


(1,002)

35,530


(690)

29,550


(448)

28,710


(1,445)

47,020


(2,078)
  Gender
    Male  30,920 (437) 29,260 (411) 26,080 (1,388) 38,240 (877) 31,260 (594) 19,260 (1,375) 39,210 (3,970) 36,380 (600) 32,850 (539) 23,600 (1,007) 42,500 (1,629) 34,670 (987) 28,000 (585) 30,390 (2,046) 52,910 (3,526)
    Female  30,960 (453) 29,270 (407) 24,860 (1,110) 39,040 (726) 32,780 (498) 17,230 (1,128) 33,620 (2,110) 38,500 (567) 34,850 (528) 23,450 (807) 39,820 (1,216) 35,930 (824) 30,290 (509) 28,000 (1,920) 42,400 (2,478)
    Nonbinary2 --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) 41,400 (9,664) 37,320 (10,821) (†) (†)
  Race/ethnicity
    American Indian/Alaska Native  33,220 (2,750) 32,370 (2,915) (†) (†) (†) (†) (†) 33,180 (3,344) 32,140 (3,391) (†) (†) (†) (†) (†) (†)
    Asian  25,730 (1,096) 24,760 (965) 35,860 (7,414) 30,470 (1,658) 27,310 (1,371) 13,260 (2,969) (†) 32,010 (1,376) 28,640 (1,109) 24,210 (2,755) 42,870 (4,983) 35,500 (3,433) 26,850 (1,629) 39,470 (6,239) 70,210 (11,009)
    Black  34,540 (1,404) 33,200 (1,271) 19,250 (1,781) 43,480 (1,404) 38,450 (1,109) 15,310 (2,188) 32,260 (5,721) 42,770 (1,103) 40,710 (1,018) 20,700 (1,956) 31,200 (2,527) 39,560 (1,078) 37,520 (923) 20,190 (3,257) 38,960 (3,743)
    Hispanic  30,880 (1,453) 28,800 (1,108) 24,450 (2,997) 38,870 (2,086) 31,220 (1,086) 21,130 (3,714) 34,860 (5,136) 33,730 (974) 31,970 (912) 17,480 (1,292) 37,020 (2,603) 31,470 (1,253) 27,350 (922) 23,720 (3,551) 47,360 (4,973)
    Pacific Islander  32,530 (3,163) 29,830 (2,163) (†) (†) (†) (†) (†) 33,350 (5,006) 34,820 (4,070) (†) (†) (†) (†) (†) (†)
    White  30,750 (374) 29,020 (345) 26,050 (1,047) 38,280 (762) 31,200 (466) 18,510 (1,009) 36,150 (2,677) 37,850 (435) 33,270 (409) 25,210 (749) 43,220 (1,368) 35,790 (840) 28,570 (633) 29,490 (1,628) 46,570 (3,020)
    Other3 28,690 (2,439) 27,000 (2,410) (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†) --- (†)
    Two or more races  31,360 (2,393) 29,160 (2,175) (†) 36,940 (2,279) 31,530 (1,879) 16,130 (2,722) (†) 37,320 (1,379) 34,320 (1,182) 18,230 (2,018) 50,400 (4,892) 35,440 (2,408) 31,070 (2,069) 24,450 (4,763) 49,320 (6,018)
  Dependency status
    Dependent  29,930 (391) 27,660 (313) 27,770 (1,189) 34,340 (757) 26,820 (376) 19,360 (1,208) 37,420 (2,062) 33,650 (355) 28,230 (251) 26,830 (724) 46,280 (1,317) 31,780 (632) 24,590 (280) 30,260 (1,669) 55,360 (2,429)
    Independent  32,060 (567) 31,050 (532) 16,800 (1,419) 43,510 (840) 37,850 (634) 16,550 (1,191) 31,690 (5,760) 41,930 (816) 40,260 (738) 17,900 (798) 28,200 (1,581) 40,360 (1,164) 35,810 (819) 26,040 (2,569) 27,850 (2,876)
  Institution control
    Public  28,700 (412) 27,800 (376) 20,530 (973) 33,770 (598) 29,010 (442) 15,020 (818) 26,950 (1,422) 33,870 (350) 31,440 (296) 19,830 (768) 34,630 (1,245) 31,960 (596) 27,250 (420) 24,710 (1,410) 41,600 (2,553)
    Private nonprofit  34,720 (661) 31,530 (554) 31,770 (1,433) 42,550 (1,556) 32,410 (782) 24,190 (2,237) 48,890 (4,924) 40,110 (570) 33,550 (417) 29,990 (964) 52,750 (2,331) 39,510 (1,206) 31,130 (1,069) 33,370 (2,283) 59,760 (4,018)
    Private for-profit  42,560 (2,131) 41,010 (2,054) (†) 52,730 (1,051) 45,930 (806) 15,630 (1,200) 33,780 (3,300) 51,970 (2,002) 49,240 (1,639) 19,450 (1,333) 40,110 (2,913) 47,730 (4,181) 40,470 (1,586) 37,250 (10,039) 26,060 ! (9,712)
---Not available.
†Not applicable.
#Rounds to zero.
!Interpret data with caution. The coefficient of variation (CV) for this estimate is between 30 and 50 percent.
‡Reporting standards not met. Either there are too few cases for a reliable estimate or the coefficient of variation (CV) is 50 percent or greater.
1Parent PLUS Loans are taken out by parents of dependent students and are used toward the students' undergraduate education. Parent PLUS Loans were available through both the William D. Ford Federal Direct Loan Program and the Federal Family Education Loan Program (FFELP) until FFELP was discontinued in 2010. Since then, Parent PLUS Loans have been referred to as Direct PLUS Loans.
2Nonbinary includes genderqueer, gender nonconforming, or a different identity.
3The 2012, 2016, and 2020 questionnaires did not offer students the option of choosing an "Other" race category.
4Average loan amounts were calculated only for students who took out each type of loan (or whose parents took out a PLUS Loan on their behalf).
5Constant dollars based on the Consumer Price Index, prepared by the Bureau of Labor Statistics, U.S. Department of Labor, adjusted to a school-year basis.
NOTE: Race categories exclude persons of Hispanic ethnicity. Data exclude students attending institutions in Puerto Rico.
SOURCE: U.S. Department of Education, National Center for Education Statistics, 1999–2000, 2011–12, 2015-16, and 2019-20 National Postsecondary Student Aid Study (NPSAS:2000, NPSAS:12, NPSAS:16, and NPSAS:20). (This table was prepared December 2023.)

2023 Tables and Figures All Years of Tables and Figures Most Recent Full Issue of the Digest