With regard to undergraduate debt, little difference existed between men and women, but some differences existed among racial/ethnic groups and between students with and without disabilities, in 1999. (See appendix table 3-18.) Overall, 60 percent of S&E bachelor's recipients in 1997 and 1998 had borrowed money to finance their undergraduate education. Similar percentages of men and women (60 and 61 percent, respectively) reported still having undergraduate debt in 1999, and the amounts owed were also similar (between $13,500 and $14,300). Blacks had a higher average debt than whites, Asians, and Hispanics. S&E bachelor's degree recipients with disabilities were more likely than those without to report having borrowed, but the average amounts of debt (among those with debt) in 1999 did not differ between these two groups.