Author Box
Articles Categories
All Categories
Articles Resources

Are Student Loans Postponing Marriage?

April 06, 2012 | Comments: 0 | Views: 261

As our college graduates become increasingly more encumbered by their student loan debt, an unlikely victim is emerging: marriage. Becoming bound to one another through the sacred union of marriage is being put off by many in order to spend time paying down their student loan debt. As a result, the average age for marriage is increasing, and new generations are being destined to grow up with older parents.

While the implications of this "older" family are not yet known, little guesswork needs to be done to predict what a few of those problems may be.

The Average Age for Marriage

According to IHS Global Insight, the median age for marriage in 2007 was 27.5 years old for males and 25.6 years old for females. However, the same research firm found those ages increased to 28.7 and 26.5 respectively in 2011.

While those numbers show roughly a year increase for both sexes, the fact that such an increase occurred over a mere four years is what's truly astonishing. Furthermore, that dramatic increase took place during an economic downturn and during a time when college students were graduating with record-breaking student loans.

As our current students and recent graduates contemplate how they will repay their college debt while unemployed or underemployed, the question they're asking isn't, "Will you marry me?" but instead it's, "Can we get married after I pay off my student loans?"

The Risks of an Older Marriage

But the choice to postpone marriage in order to satisfy student loan debt isn't unwise. When financial problems rank number one in the top 10 reasons marriages fail, our educated youth are making prudent decisions to put marriage off. However, such decisions do not come without risks.

One of the largest risks associated with marrying at a later age is related to beginning a family later in life.

The Center for Bioethics at the University of Pennsylvania revealed that fertility rates drop significantly after women turn the age of 35. Additionally, women over 40 subject themselves to double the risk for miscarriage during the first trimester of pregnancy when compared to pregnant women of 35 or younger.

When student loans postpone the creation of families, it's not difficult to see how they may possibly contribute to future pregnancy complications in our college-educated youth of today.

Furthermore, having children later in life also leads to the inevitable outcome of kids being raised by older adults. Having a baby at 40 years old means parents will be legally responsible for their children until both parents are nearly of retirement age. When past generations welcomed grandchildren into the world around their retirement, our nation's future parents may still be raising children of their own.

Our college-educated youth are facing obstacles unlike any experienced by past generations: they are being told they must go to college for a career, they're entering their 20's with unprecedented debt, and now they're starting their families later on in life. Student loan debt is sinking its teeth into facets far away from the lending world, with the institution of marriage and the concept of the family being perfect examples of that.

After covering the world of home mortgage loans for three years, the writer of this article, Alex Gomory, is proud to have expanded his scope to the entire financing industry as a whole. To further learn about student loans and read more of Alex's articles and news stories, visit, where he and other staff writers continuously publish articles on a near daily basis.

Source: EzineArticles
Was this Helpful ?

Rate this Article

Article Tags:

Student Loans


Student Loan Debt


Loan Debt


Student Loan


Postponing Marriage




Older Marriage

The 3 Month Payday Loans is most suitable options for the people who do not possess assets. There are a variety of loan options for the people who are willing to pledge assets against the cash

By: Cameron white l Finance > Personal Finance l July 09, 2013 lViews: 560

For many people, bankruptcy can make their world fall apart. The apparent loss of reputation coupled with the inability to take financial decisions can deter anyone from thinking clearly. But all is

By: noragwilt l Finance > Bankruptcy Lawyers l November 18, 2012 lViews: 303

If you are availing payday loans with monthly payments, it is easy for you to obtain quick money from online lending companies.By getting the best deals of loan, you can save money in terms of

By: Malen Cheks l Finance > Loans l November 16, 2012 lViews: 289

Loans online have become the popular source of income and people can make smart decision of taking it.Now, don’t go anywhere and sit in your home silently. Such deals would bring you money without

By: Marsh Jone l Finance > Loans l November 13, 2012 lViews: 288

Loans for the unemployed would let you feel comfortable with your unstable conditions due to jobless period.If you compare the rates of a few lenders, you would definitely get the suitable lender to

By: kelse roy l Finance > Loans l November 13, 2012 lViews: 467

By taking cash advance for bad credit, it is easy for you to improve your credit status. This loan is useful to relieve financial stress. This loan is totally free from credit verification and

By: Honard Nork l Finance > Loans l November 09, 2012 lViews: 301

Learn how to take advantage of the student loan forgiveness programs available to teachers. There are great benefits involved such as lower monthly payments.

By: Stephen Bisl Finance > Student Loansl April 24, 2012 lViews: 155

Whether you find yourself in the process of taking out loans or the process of paying them off, its imperative that you find ways to push back on the impending financial tsunami heading your

By: D. A. Bisl Finance > Student Loansl April 22, 2012 lViews: 183

How much will College cost? Where will we get the money? Borrowing from Permanent Life Insurance for college.

By: Walter Sewardl Finance > Student Loansl April 15, 2012 lViews: 179

An Article recently published by the International Business Times explored the potential for problems associated with aggregate student loan debt.  Since the total student loan debt outstanding

By: Doug Utbergl Finance > Student Loansl April 12, 2012 lViews: 187

You saved every penny you earned, worked like a slave, and even asked for help from friends and family. But that was not enough; you still need to know how to earn money for college tuition.

By: Luis Garcia De Alba Diazl Finance > Student Loansl April 11, 2012 lViews: 155

The option to further one's education is far greater today than ever before. There are good programs set up to help students and their families, which almost anyone can qualify for. Those who qualify

By: Angela Goldstein-Meyerl Finance > Student Loansl April 11, 2012 lViews: 175

Purchasing a home mortgage loan can be a confusing and stressful process. When contemplating how much money to put down on your home loan, consider these benefits of making a larger down payment.

By: Alex Gomoryl Real Estate > Buyingl April 25, 2012 lViews: 265

Debtor's prison was designed to punish those who defaulted on their personal loans. It was soon found, however, that such a punishment hurt not only the personal loan debtor, but society as a whole.

By: Alex Gomoryl Finance > Personal Loansl April 13, 2012 lViews: 175

Many people hate shopping for new auto loans and vehicles because they don't trust car salesmen. One growing auto loan scam is yo-yo financing, which is a glorified bait-and-switch technique used by

By: Alex Gomoryl Finance > Auto Loansl March 30, 2012 lViews: 208

When considering a new auto loan, it's important that borrowers agree to a financing contract they can afford. To determine what one can personally afford, consider this approach to budgeting one's

By: Alex Gomoryl Finance > Auto Loansl February 23, 2012 lViews: 216

Discuss this Article

comments powered by Disqus