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There’s a lot that’s said about Millennials, like that they’re perennial renters, job hoppers and not keen on settling down. Yet, a new survey from Credit Karma suggests that in many ways, the generation isn’t so different from their parents. The vast majority of Millennials still desire the so-called American Dream, which includes getting married, buying a house and having children. They are just taking longer to get there.

“They’re delaying things like marriage and homeownership, but it’s not that they don’t want them,” says Bethy Hardeman, chief consumer advocate at Credit Karma.

The survey found that a whopping 88% of Millennials who are currently renting eventually want a place to call their own, 83% of single Millennials hope to tie the knot and 75% see kids in their future. They’re also not planning to rely on Uber for the rest of their days, with more than three in four respondents saying they either have a car or want a car.

So, what’s the hold-up? The burden of paying back student loans is part of the story. While the survey found that fewer than 5% cited student loans as the reason they didn’t want to buy a home, the majority said they couldn’t currently afford to do so and the second-most popular reason was fear of taking on so much debt. (The survey didn’t explore whether high student loan payments indirectly put buying a home out of financial reach or how it has influenced attitudes toward additional debt.)

To be sure, the degree to which student loans are dictating people’s lives can depend on just how far in the red they are. One study found that Millennials who graduate with excessive student loan debt (loosely defined as more than they can pay back in a reasonable amount of time) are about 10% more likely to say that it caused delays in major life events, like buying a home, tying the knot and having children.

Yet, homeownership can be more attainable for those with a college education and manageable monthly payments. “From people I’ve spoken with one on one, their student loan debt is something they have to pay back every month but they’re not necessarily thinking too much about it,” says Hardeman. “It’s almost in maintenance mode.” (The flip side of taking your time to pay student loans is a bigger total price tag, of course, since the interest accrues for longer.)

The financial crisis is also still haunting Millennials. Three out of four respondents said that what happened in 2008 has been at least moderately influential in shaping their beliefs about managing their money. This is even more likely to be the case among older Millennials. The recession not only dealt a blow to many people’s own employment prospects and earning power, but wreaked havoc on the financial lives of family and friends.

Even so, while the financial crisis seems to have made Millennials more cautious, they don’t appear to be anti-credit crusaders. For instance, very few are firmly opposed to credit cards (just 2% say they’re against using plastic) or say there’s no point in having credit cards (just 7%).

The survey, which set out to bust common Millennial myths, supports a growing body of evidence that young people are doing many of the same things as previous generations, but on their own timetable. For instance, J.D. Power’s Power Information Network recently said the generation purchased four million cars and trucks last year and now accounts for 28% of the new car market. Millennials are also now buying more homes than any other generation, according to the National Association of Realtors, which recently remarked that the generation is “growing up” and becoming “more traditional in their buying habits.”

The 1000-person survey included responses from Millennials across the U.S. and was not limited to Credit Karma members.

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