{blackbabes} Toni Braxton -- I Graduated From Debt School!

She's broker than a joke, but Toni Braxton is now rich in knowledge ... after completing a court-ordered class on personal financial management -- and she has a certificate to prove it!!!

http://tmz.vo.llnwd.net/o28/newsdesk/tmz_documents/0425_toni.pdf

Toni -- who filed for bankruptcy last year claiming she was between $10 and $50 million in debt -- was ordered to complete the course as a part of her case ... and earlier this month, she got it done.

According to the certificate, obtained by TMZ, Toni passed an "Internet instruction course concerning personal financial management."

Grad party, anyone????