Mass-affluent millennials — those with $50,000–$250,000 in investable assets — are in a funk over their student loans. They believe that they haven’t saved enough toward retirement because of that mountain of student debt hanging over their heads.

Among mass affluent respondents in the U.S., according to a survey conducted by Braun Research Inc. on behalf of Bank of America’s latest Merrill Edge report, the feeling in general is guilt — for not investing enough in 2014 and for other financial decisions they’ve made during the year.

While a full third of respondents said they feel guilty for not investing enough during the year and lesser numbers feel guilty about food and drink decisions (18 percent) and lack of time they spent with their loved ones (17 percent), millennials stood out as chalking up their lack of retirement savings to student debt.