Student loan debt is increasing at record rates.

But the statistics are shocking when it comes to student loan debt and income.

A Pew Research study found that “those who graduated college without student loan debt have seven times the net worth, nearly $65,000, as those who have student loan debt, at $8,700.”

Remember—they graduated college and have the same education as those who graduated with student loan debt.

Worse, a corollary relationship between overall debt and student loan debt has been shown:

While the typical household that owes student loans has about $13,000 in outstanding debt, they have about $137,000 in total debt compared with the $73,000 in debt that college-educated households without student loans hold.

Student loans have become a habit for young people that doesn’t get broken later in life, leaving them poorer than their classmates who don’t take out student loans and more likely to accrue more debt.