Poor millennials. They’re swamped by college loans and struggling to get by with jobs that pay less than they expected.

In fact, according to online coaching tool Onbotraining, student debt levels are five times higher than they were 20 years ago, resulting in numerous students falling behind in their payments and taking a hit to their credit ratings—or just not putting any money away for retirement because they’re too busy paying off those loans. And that’s going to hurt them—both now and in the future.

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