Source: Flickr/Linh Do

You’ve heard this before:

Fewer Millennials are in long-term, committed relationships than any generation past. According to Pew Research Center, 59 percent of adults ages 18 to 29 were married in 1960, while only 20 percent of adults that age were in 2011. And, from a recent Gallup poll, 64 percent of 18 to 29-year-olds are not living with or married to a partner.

This data fuels claims by many, including the recent Vanity Fair article “Tinder and the Dawn of the ‘Dating Apocalypse,’” that Generation Y is synonymous with hookup culture.

But here’s what you probably haven’t heard:

According to The Journal of Sex Research, only 31.9 percent of college students from 1988 to 1996 reported having more than one sexual partner in the past year—compared to a nearly identical 31.6 percent of today’s students between 2002 and 2010. Another study found that millennials have fewer sexual partners than any other generation since our grandparents, who at the same age averaged just two partners each.

Translation? Contrary to popular belief, the majority of Millennials are not having rampant, or even frequent, casual .

So for those of us who aren’t married and aren’t having prolific sex, what are we doing?

Trying to decide.

By producing a surplus of options, has ironically yielded romantic standstills.

Earlier this year, Pew found that one in five adults between 25 and 34 years old has used online . According to Forbes, there are more than 2,500 online dating services in the U.S. alone, with 1,000 new options every year. Many of these services, such as Tinder, Hinge, and Bumble, are targeted at Millennials. Ninety percent of Tinder’s users, for instance, are between ages 18 and 34.

From the prevalence of online dating, it’s easy to see why people assume Millennials are hooking up all the time; these tools should make that easy. Boston University professor Donna Freitas laments to the New York Times, “Young people today don’t know how to get out of [the] hookup culture.”

However, the problem isn’t so much that we don’t know how to stop having sex, but that we don’t even know how to start meeting up. Case in point: online dating frequently never progresses offline. Pew surveys reveal that a third of online daters have never actually gone out with someone they met online. And, despite common usage among Millennials (Tinder boasts 26 million matches a day), a mere 8 percent of taken 18- to 29-year-olds met their partner online.

There are lots of reasons why online dating isn’t fruitful: Many online daters lie on their profiles, with 54 percent of online daters reporting meeting someone who “seriously misrepresented themselves” in their profile. Online daters also tend to chase the top percentage of lookers, even if it’s an unrealistic match. According to psychologist Robert Burriss, a good-looking woman receives roughly four times the messages as an average one and 25 times as many as an unattractive one.

In the same vein, online daters are impractically picky, eliminating potential partners based on everything from the shows they watch to their political preferences, says economist and online dating expert, Paul Oyer. This pickiness is particularly problematic given that singles are bad at predicting their actual relationship preferences. Speed daters questioned about their relationship preferences usually prove themselves wrong just minutes later at the live event.

But, still more limiting than all these obstacles is our own indecisiveness.

As I discuss in “Why Millennials Are so Stressed—and What to Do About It,” while most believe choices serve our , too many of them paralyze us. PJ Vogt, a radio producer tasked with making himself an online dating profile for a Freakonomics podcast, explained, “The hardest part [of online dating] is seeing all the people who seem pretty good.”

Priya Parker, expert-in-residence at the Harvard Lab, calls this outlook FOBO: of Better Options. Millennials, says Parker, suffer from persistent about “the ones that got away.” The more options we see, the more we fear we’ll choose the wrong one. In this way, the thick market of online dating paralyzes us with possibility. After only a brief time online, Vogt realized, “I’d be so much happier . . . if I had almost no choice, and I could meet just one person and feel like I’d be happy with them.”

This is especially true considering our shallow, self-sabotaging instincts when faced with endless options. In one study, the fewer potential partners people met while speed-dating, the more likely participants were to evaluate them on substantive traits. But when they encountered many partners in one night, participants became overwhelmed and tended to judge more superficially.

Our option-induced worry that we’ll choose the wrong one may also contribute to the notable lack of resiliency in relationships that began online. Though 70 percent of online daters believe these services “help people find a better romantic match because they have access to a wide range of potential partners,” couples who do meet online are, in truth, more likely to break up than couples who meet offline.

For these reasons and likely many others, 40 percent of Millennials think that dating now is harder than it was for previous generations. Yet, despite our inability to land them, Millennials want lasting relationships. According to Pew’s data, 61 percent of Millennials who have never married would like to someday—a number that hasn’t changed since the 1970s. Similarly, eight in 10 Millennials still say that true romance is “very important.”

Unfortunately, the solution to our indecisiveness is unromantic. Paul Oyer suggests the last thing our generation wants to do: settle. Oyer says, “Just as everybody accepts a job that doesn't have that last little perk they wanted, at some point you have to accept a life partner.”

Thus, to the extent that we’re dragging our feet, our difficulty dating is self-inflicted. Kristen Dombek of the New York Times writes, “When we find what we want, it’s because we stop researching our options and treating our date as data to be mined, categorized, passed over or locked down.”

The solution is at our fingertips.