Though a college education can open the doors to a world of career opportunities, there’s a downside to pursuing that degree: debt. A good 43 million Americans now owe a collective $1.3 trillion in loans, with the average 2015 graduate owing an almost ridiculous $35,000. But while student loans are bad enough on their own, here’s another sucker punch for you: The more debt you graduate with, the less money you’re likely to save for retirement.