Between 2003 and 2012, the number of twenty-five-year-old students with debt increased from twenty-five percent to forty-three percent and the average balance of their loan was $20,326 in 2012 – a ninety-one percent increase since 2003, and ten percent of these students graduated with more than $40,000 in debt (college education). By graduating with such debt, people's life plans were pushed back almost twenty years and some of the unfortunate graduates never got out of debt, forcing them to resort to things such as homelessness. In 2013, student loan borrowers delayed saving for retirement (41%), buying a car (40%), buying a home (29%), and getting married (15%) (education college). Back when college was much more affordable and had far fewer consequences, the debate over a college education may have been all but invalid. However, today, the cost of a quality college education comes with many life-changing risks, including crippling depression and financial crisis. With tuition rising faster than incomes, college may no longer exist in the near future.