Regardless of the institution type at which they began, Black or African American students were less likely than their peers from other racial and ethnic groups to complete a degree or certificate. For example, among students who began at R1 doctoral universities in fall 2011, the shares of those who had earned a bachelor’s degree six years later ranged from 69.2 percent of Black or African American students to 86.5 percent of Asian and 90.9 percent of international students (see table 4.1). Also, Black or African American students borrowed at a higher rate and incurred a larger amount of debt for their postsecondary education than other groups. Among 2019–20 associate degree recipients, 57.2 percent of Black or African American recipients borrowed an average of $21,750, while 35.8 percent of all recipients borrowed an average of $17,252 (see table 6.14). Among 2019–20 bachelor’s degree recipients, 86.4 percent of Black or African American recipients borrowed an average of $33,807, while 60.5 percent of all recipients borrowed an average of $29,743 (see table 6.21). Among 2019–20 master’s degree recipients, 77.5 percent of Black or African American recipients borrowed an average of $53,127, while 53.4 percent of all recipients borrowed an average of $47,906 (see table 7.7). Lastly, among 2019–20 research doctoral degree recipients, 60.5 percent of Black or African American recipients borrowed an average of $103,085, while 30.1 percent of all recipients borrowed an average of $63,557 (see table 7.17).