It’s no secret that our nation is facing a student debt crisis. You don’t need me to tell you that more and more people are graduating with burdensome student loan debt levels that force them to rely on credit cards, put off buying a home and perhaps even live at home with mom and dad to save rent money.

But there’s a serious consequence of student loan debt that we don’t hear much about: how high debt payments in the early working years could have a devastating impact on the retirement security of today’s young people.