Money Under 35

Money Under 35, a national study conducted by Navient and Ipsos, provides a snapshot of the financial health of young Americans aged 22 to 35.

More than 3,000 young adults encompassing all levels of educational attainment answered detailed questions about their jobs, income, savings, debt, financial attitudes and behaviors, as well as their satisfaction with their current and future prospects.

In this fourth edition, Money Under 35 explores the educational journey in more detail for the first time – from the decision to attend college to challenges faced while attending and the impact on degree completion.

View the Study Explore the interactive infographic
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What’s your money personality?

A degree matters

Young adults aged 22 to 35 who have completed their degree, regardless of family education or financial background, show distinctly stronger financial health across a variety of measures than those who did not go to college and especially stronger than those who attended some college but did not earn a degree.

Besides objective measures of financial health, degree holders are more likely to rate their current financial health as "very good" than their peers without a degree.

Financial Health

Degree holders are…


Degree holder

Non-degree holder

More likely to be employed full time



Very positive about their current financial health



More likely to believe they'll be better off than their parents



More likely to be homeowners



Less likely to be experiencing trouble paying their bills



More likely to know their credit score




Financial and emotional support may be a key differentiator in whether a young person pursues a degree through to completion.

Fewer than 1 in 5 parents pay the entire cost of education, but most contribute at least some funds. Nearly half of adults who didn’t make it to graduation said their parents did not help pay for any of their education, compared with fewer than 1 in 4 degree holders.

Education Journey

Degree holders were also more likely to feel emotionally supported while attending college.

Bottom Education Journey

Explore the findings in an interactive infographic

Special Reports

Millennial Jobs and Careers

Professional success is an important contributor to overall financial health. To better understand its impact, we took a closer look at job satisfaction, educational fit, and how young adults feel about their current and future career paths.

News Release


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