Student loans are a problem. But the overwhelming problem is mortgage debt; The median age for a first-time homebuyer rose from 31 in 2015 to 40 in 2025.
Student loans (yellow) are a problem (getting worthless degrees). But the overwhelming problem is mortgage debt (green) byu/RobertBartus inEconomyCharts “Now you can't afford a 50-year mortgage so you're taking out a 100-year mortgage to pay $500 less a month but …