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 thehardest time dealing with their debt, offers some surprisinginsights.

Related: Older people also mired in student loandebt

In a study from Lend.Edu, not just their debt load buttheir borrowing patterns vary depending on students’ gender andrace.

And with an overall $1.4 trillion in student loan debt nowtopping credit card/car loan debt among Americans’ financialobligations, how it will continue to affect people is no smallquestion.

Related: One of the best employee benefits is aboutto get better

It’s already making it tough for them to save for retirement,start businesses, and even stay current on daily expenses.

On average, the study finds, people graduate college with nearly$40,000 in debt.

Men carry higher debt levels than women, and when broken down byrace, white and Asian grads have higher debt levels than black andHispanic/Latino grads.

Among study respondents, all of whom were at least 3 years outof school, the average amount of debt remaining to be paid isapproximately $30,000—meaning that, on average, grads still haveabout 75 percent of their debt still to pay years after they’veleft school.

White male students, with the highest level of debt amongsubgroups, have about 33 percent higher debt levels than whitefemales—who tend to graduate with the second lowest levels ofdebt.

However, it’s not because women are getting help in paying theirtuition. Just 6 percent of women say their parents paid for themajority of the tuition, and 50 percent say they received no helpat all.

Among male students, it was a different story, with only 43percent of male respondents saying their parents did not contributefinancially.

Overall, just 10 percent of grads got tuition help from theirfamilies, while close to half got through college without anyfamily bailouts.

Ten percent of male respondents, in fact, say their parents paidthe majority of their college tuition; that’s almost twice as manyas the women who say the same.

Yet women graduate with less debt than men. The only exceptionis black women, who had $272 more in debt than black males.

Asian males graduated with the second highest level of debt,only an average of $253 less than white males. But they also gotthe largest amount of help from their parents, with nearly doublethe number of Asians reporting the majority of their tuition paidby parents in comparison with other races.

And the lowest debt levels of all belong to Hispanic/Latinowomen, who not only graduated with the least amount of debt but had$564 less to pay off than white women.

More than half the respondents of both genders say their debthas negatively impacted their current lives, with nearly two thirdssaying that current loans have made it harder to save forretirement; more than 50 percent say the debt has made starting asmall business more difficult.

When it comes to keeping up with daily expenses, the men have aneasier time than the women, with only about half the men sayingtheir debt has made day-to-day finances more burdensome; 10 percentmore women feel that way.

And while 13 percent more white college graduates than Asiangraduates believe their loans have negatively impacted theirretirement savings, Asian respondents believe their debt weighsmore heavily on their ability to launch their own business—withnearly 10 percent more Asian graduates saying so than those of anyother race.