National Student Surveys (Debt)



                                    National Student Surveys (Debt)


There are Canadian national student surveys on many topics. Debt 101 collected the ones that survey any issues related to tuition costs and debt.

These are broken down below under the name of the publishing organization, and then by title. Statistics Canada is listed last because it requires large text blocks.



Canadian Undergraduate Survey Consortium (CUSC)

Report on Student Debt

(Canadian College Student Survey / CUSC / The Canada Millennium Scholarship Foundation, 2007)

260 KB


First-Year University Student Survey 2007: Master Report

(Canadian Undergraduate Survey Consortium , 2007)

684 KB


Undergraduate Student Survey 2008: Master Report

(PRA Inc., Canadian Undergraduate Survey Consortium, 2008)

824 KB



Statistics Canada


Access to full data from Statistics Canada's student surveys is restricted: an example
of your tax dollars at work (not)? 

Debt 101 can provide the results summary and tables from the Daily for this interesting National Graduates Survey. This will save you time hunting for the right parts of the right Daily online.

Most of you will get what you need from what's here. If you need any of the details blocked by StatsCan restrictions, ask your campus or public library for access. If that fails, contact Statscan Client Services (toll-free 1-800-307-3382).


National Graduates 2000 (2005 Follow-up)

(A sample of the class of 2000 was surveyed in 2005. Results were published in 2007)

Topic: 'student loans and finances.' Source: The Daily, May 2, 2007

Full Summary:

Two out of five graduates from the class of 2000 who had left school owing
money to government student loans had completely repaid their debt five
years after graduation.

Of all graduates from a Canadian college or university in 2000, 56% had no debt from government student loan programs while 44% owed money to such programs. It is among this latter group that two out of five graduates had completely paid off their debt in 2005.

The proportion of graduates who have paid off their
student loans varies according to the level of study. Graduates from
master's and doctoral programs were most likely to have repaid their
loans, with 46% having done so, compared to 42% for those from bachelor
programs and 36% from college programs.

The average debt remaining in 2005 amounted to $8,900 for college graduates, and was
practically the same for graduates with bachelor degrees ($14,400) and
master's or doctoral degrees ($14,300).

Debt load, income and having a debt from a non-government source were some of the factors
that could affect a graduate's ability to repay a student loan.

Graduates who still owed in 2005 were twice as likely to have an outstanding debt
from non-government sources (60%) than those who had repaid their student loans (30%).

Moreover, the average debt from government student loans at graduation for those graduates who had paid off their loans by 2005, was approximately $6,000 less than that of graduates who still owed money: $12,800 compared to $19,400. The greatest difference
was among university graduates. The difference in the average debt for
those graduates who still owed money versus those who were debt free
was slightly more than $8,000 for bachelor graduates and almost $10,000
for master's and doctoral graduates, and $4,000 for college graduates.

9 out of 10 graduates were employed in 2005 whether they had paid off
their loans or not. On the other hand, the total personal income in
2004 for graduates who had paid off their loans was 20% higher than
that of their fellow graduates who still owed money. This relative
difference was the same for bachelor graduates and for those with
master's degrees or doctorates, but much lower (13%) for college

In addition, slightly less than half of the graduates who still owed money on their student loans reported having difficulty repaying these loans, compared to one out of five among graduates who had paid off their loans by 2005.

College graduates were more likely than bachelor graduates to experience difficulty in repaying
their student loans, with the proportion reporting difficulty repaying
being 10 percentage points higher than that of bachelor graduates.


Survey Tables:


Data are from the Follow-up Survey of Graduates (Class of 2000)
conducted in 2005. This survey is a follow-up to the National Graduates
Survey. The analysis of student loans essentially covers government
student loans and only includes graduates who did not pursue further
education after they graduated in 2000.