Hispanic/Latino women who gradated not only had the least amount of debt but had $564 less to pay off than white women. (Photo: Getty)

The effects of debt—especially college debt—can weigh on graduates for years, particularly if they don’t get any help in paying off the student loans they’ve amassed.

Just how tough it can be for those graduates, and who has the hardest time dealing with their debt, offers some surprising insights.

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