The amounts aren’t trivial, either:

• 20 percent are lucky enough to owe the least, from $1,000–$20,000

• 16 percent owe between $20,000–$50,000

• 13 percent are truly in the soup with student debt topping $50,000

While 36 percent claim that student loans haven’t had any effect on them, the rest have cited several major areas in which those loans have held them back:

• 29 percent have delayed the purchase of a home

• 26 percent have postponed a major purchase, such as a car

• 22 percent have cancelled plans for additional education

• 19 percent have had to return home to live with their parents

• 17 percent (included married individuals) have put off starting a family

• 12 percent have postponed getting married

Fewer than two out of five (38 percent) have managed to get started saving and investing for retirement, while 34 percent say that, because of the college loans they owe, “I have either delayed starting to save/invest for retirement or been able to save/invest much less than I had hoped.”

Read: Millennials challenge advisors

Forty percent are “concerned” that they’ve been sidetracked from retirement saving, with just 7 percent shrugging it off.

More than half (56 percent) say they’re worried “about having to work longer as a result of having a late start on saving/investing for retirement.”