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  1. 1. As our college graduates become increasingly more encumbered by their student loan debt, an unlikely victim is emerging: marriage. Becomingbound 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.western sky
  2. 2. While the implications of this "older" family are not yet known, littleguesswork needs to be done to predict what a few of those problemsmay 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
  3. 3. 6 years old for females However, the same research firm found thoseages increased to 28 7 and 26
  4. 4. 5 respectively in 2011 While those numbers show roughly a yearincrease for both sexes, the fact that such an increase occurred over amere four years is whats truly astonishing Furthermore, that dramaticincrease took place during an economic downturn and during a timewhen college students were graduating with record-breaking studentloans
  5. 5. As our current students and recent graduates contemplate how they willrepay their college debt while unemployed or underemployed, thequestion theyre asking isnt, "Will you marry me?" but instead its, "Canwe get married after I pay off my student loans?" The Risks of an OlderMarriage But the choice to postpone marriage in order to satisfy studentloan debt isnt unwise When financial problems rank number one in thesomekeyword, our educated youth are making prudent decisions to putmarriage off However, such decisions do not come without risks
  6. 6. One of the largest risks associated with marrying at a later age is relatedto beginning a family later in life The Center for Bioethics at theUniversity of Pennsylvania revealed that fertility rates drop significantlyafter women turn the age of 35 Additionally, women over 40 subjectthemselves to double the risk for miscarriage during the first trimester ofpregnancy when compared to pregnant women of 35 or younger
  7. 7. When student loans postpone the creation of families, its not difficult tosee how they may possibly contribute to future pregnancy complicationsin our college-educated youth of today Furthermore, having children laterin life also leads to the inevitable outcome of kids being raised by olderadults Having a baby at 40 years old means parents will be western skylegally responsible for their children until both parents are nearly ofretirement age
  8. 8. When past generations welcomed grandchildren into the world aroundtheir retirement, our nations future parents may still be raising children oftheir own Our college-educated youth are facing obstacles unlike anyexperienced by past generations: they are being told they must go tocollege for a career, theyre entering their 20s with unprecedented debt,and now theyre starting their families later on in life
  9. 9. Student loan debt is sinking its teeth into facets far away from thelending world, with the institution of marriage and the concept of thefamily being perfect examples of that
  10. 10. western sky