Student loans are a big barrier for students when they do graduate. Perhaps the prevalence of student loans might not be as problematic if students were graduating into good well-paying jobs after. They would be able to manage that, but because of the prevalence of PINEs and the struggles they have to integrate into employment, student loans are further burdening them with regard to paying them back, and in terms of being able to make life decisions such as buying a house, whatever it is they choose to do.
So that is now lasting longer as they progress through their lives, the impact those debts are having.