2 Concordia L. Rev. 103 (2017)
Marriage, Millennials, and Massive Student Loan Debt

handle is hein.journals/concordia2 and id is 103 raw text is: 








MARRIAGE, MILLENNIALS, AND MASSIVE STUDENT LOAN DEBT


                            Victoria J. Haneman*

                               INTRODUCTION

        Dating apps, contraception, abortion, medical advances that allow the
delay of childbearing, changes in female pay, and crippling student loan debt
are all factors that may  weigh  upon  the Millennial  trend of cohabitation
versus marriage.2 Studies of cohabitation and  marriage trends evidence  that
the Millennial generation is perfectly content in their unwedded bliss,3 with
more  than eight million couples cohabitating in the United States.4 According
to 2010  Census  data, there has been a 138%   increase in cohabitation since
1990.5 Further, those who choose  to marry are doing so later: the average age
of marriage  is 27 for women   and  29 for men-as opposed to 23 and 26,
respectively, in 1990.6




    * Professor of Law, Concordia University School of Law. My heartfelt gratitude to my
research assistant, Angela Harrigan, for taming my unruly footnotes.
    1 For purposes of this Essay, a Millennial is defined as a person who was born between
1982 and 2004. Philip Bump, Here Is When Each Generation Begins and Ends, According
to Facts, THE ATLANTIC (Mar. 25, 2014), https://www.theatlantic.com/national/archive
/2014/03/here-is-when-each-generation-begins-and-ends-according-to-facts/359589/.
    2 See Gabriela Barkho, Why Are Millennials Putting Off Marriage? Let Me Count the
Ways, WASH.  POST  (June 6, 2016), https://www.washingtonpost.com/news/soloish/wp
/2016/06/06/why-are-millennials-putting-off-marriage-let-me-count-the-ways/?utm term=
.e16155290354.
    ' Jenny Kutner, 8 Brutally Honest Reasons Why Millennial Women Are Staying Single,
CONNECTIONS.MIC   (Aug. 13, 2015), https://mic.com/articles/123850/8-brutally-honest-
reasons-why-millennial-women-are-staying-single#.hZhjTuyaA. Just 20% of Millennials
ages 18 to 30 have tied the knot; compare that with 32% of Gen Xers and more than 40% of
Baby Boomers  were who married at that age. Cathie Ericson, Why Millennials Aren't
Rushing to the Altar Anytime Soon (Hint: It Has to Do with Money), FORBES (Nov. 25, 2016),
https://www.forbes.com/sites/learnvest/2016/11/25/why-millennials-arent-rushing-to-the-
altar-anytime-soon-hint-it-has-to-do-with-money/#5959f73c33cf.
    4 Connor Donevan, Millennials Navigate the Ups and Downs of Cohabitation, NPR
(Nov. 1, 2014), http://www.npr.org/2014/11/01/358876955/millennials-navigate-the-ups-
and-downs-of-cohabitation.
     Living Together and the Law, NOLO, http://www.nolo.com/legal-encyclopedia/free-
books/living-together-book/chapterl-1.html (last visited Mar. 4, 2017).
    6 Eleanor Barkhorn, Getting Married Later Is Great for College-Educated Women, THE
ATLANTIC  (Mar.  15, 2013), http://www.theatlantic.consexes/archive/2013/03/getting-
married-later-is-great-for-college-educated-women/274040/. This number is higher in urban
areas, such as New York City. Barkho, supra note 2.

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