The image shows a graduate figure in a cap and gown standing on the left side. The figure holds a rolled diploma in one hand. A metal chain is attached to the figure's ankle and connects to a large black sphere on the right side of the image. The sphere has the word DEBT written on it in white letters. The graduate's facial expression shows downturned mouth and eyes looking downward. The background is plain with a yellow gradient at the bottom.

The drawing uses simple lines to show the chain links between the ankle and the ball. The ball is shaded with lines to indicate roundness. The gown has folds indicated by dark shading. The mortarboard sits on the head with a tassel hanging to one side. The sneakers on the feet are visible at the bottom.

The signature Daryl Cagle and Cagle.com appear in the lower right corner. No other text or elements are present in the image.