Your grown-up children may never hit many of the milestones you’ve come to associate with adulthood — and you can blame their crushing student loan debt for that.

Fully 56% of millennials (compared with 43% of adults overall) with current or past student loans have delayed at least one major life event because of student loan debt, according to a survey of 1,000 adults by Bankrate.com. And a survey of 1,000 current and former students released last year by Citizens Bank came to similar conclusions: Roughly 90% of people ages 18 to 40 (most of this age group is made up of millennials) with student loans say that paying these loans has impacted their day-to-day life, including the achievement of some major life milestones.

Buying a home is the No. 1 thing millennials say they have put off thanks to their student loan debt. The Bankrate survey revealed that 30% of millennials (versus 22% of adults overall) say that student loans have made them delay buying a home. (Incidentally, home ownership for Americans under 35 hit an all-time low last year, according to the Housing Vacancy Survey, which began tracking this data in 1982).

Furthermore, an analysis unveiled last year by John Burns Real Estate Consulting hints at the same thing, concluding that, for people ages 20 to 39, student loan debt caused an 8% decline in home purchases, and that every $250 a month in student loan debt reduced purchasing power for a home by $44,000. And an analysis released this year by credit monitoring firm Equifax and the Federal Reserve Bank of New York declared that “while mortgage debt fell among 20-somethings both with and without student debt, it fell at a faster clip among those with student loans.”

“The conventional theory—millennials are the rental generation and uninterested in home ownership—is only a part of the story,” the Equifax report said. Large amounts of student debt are another big factor that now “make the dream of homeownership shine less brightly than in the past,” the report concluded. And Steve Pounds, a financial analyst for Bankrate.com notes that millennials are particularly worried about taking on a mortgage because it’s such a hefty debt load.

Other major adult milestones have also been put on hold due to student loan debt, including marriage and having kids, the Bankrate survey revealed.

Student loan debt forces us to delay major life events

Percentage of people who say student loan debt made them delay these life milestones

Millennials All adults Getting married 19% 9% Having kids 14% 10% Buying a car 29% 18% Buying a home 30% 22%

Source: Bankrate.com

Other surveys reveal similar findings: 57% of people ages 18 to 40 say that having student loans has forced them to limit travel and nearly 20% say it has limited their ability to date and have romantic relationships, the Citizens Bank survey reveals.

This all makes sense given the massive jump in student loan debt among young people. In 2004, Americans under the age of 30 had $146 billion in student loan debt. This number has now more than doubled to $369 billion in 2014, according to Equifax.

And the student loan issue is unlikely to go anywhere. For one, the cost of college continues its rapid ascent: from the 2009/2010 school year to the 2014/2015 year, average net tuition and fees actually paid by in-state students at public four-year schools jumped nearly 50% to $3,030 in inflation-adjusted dollars. The debt levels also continue to rise, with the class of 2015 being the most indebted ever, with an average of $35,000 debt per student, according to Edvisors.com, a group of websites about paying for college. Furthermore, now nearly 71% of bachelor’s degree recipients will graduate with a student loan, up from less than half in 1993.