And he's not alone, 85 percent of borrowers say difficulties in saving have delayed their ability to buy a home, according to the National Association of Realtors.
"It's difficult to get $ 40,000 in student loans," said Grant Simmons, vice president of search marketing at Homes.com
(The median home price in America is $ 241,700).
Stephanie Pennycuff graduated from Indiana University at Purdue University Indianapolis with $ 43,000 in student debt.
She works as a nonprofit and helps formerly detained people return to their communities and earn around $ 30,000. Their monthly student loan payment is $ 450.
This makes the accumulation of money almost impossible.
"Pretty much a single paycheck a month goes to credit," Pennycuff, 28, said. "Every time I manage to save a few thousand dollars, something happens and it's gone empty-handed to do a house. "
While students 'debts continue to rise, many Americans' wealth and stability ̵
In the two decades since McKinley was forced to leave, he has still rented. His loans have moved in and out of arrears and have grown to more than $ 100,000.
Sometimes he drives past the house, which was almost his own.
"There were a lot of wildlife, outdoor recreation opportunities," McKinley said. "It was really nice there."
He imagines what would have happened if he could have stayed. His monthly mortgage payments were around $ 500 a month. He might even have paid them all, he notes.
And the last time he checked, the value of the house had risen from $ 65,000 to more than $ 200,000.
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Graduates of this college receive an initial salary of $ 80,000