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William West, 39, thought earning a B.A. in IT in 2009 would put him on a fast track to management. He wound up $70,000 in debt with no shot at a promotion.

At the height of the boom, USA Today published a poll in which 81 percent of young adults said getting rich was their top priority (and 51 percent gave the same priority to becoming famous). Americans now face a new personal finance reality.

the failure to own a home is generally not a source of stress in the same way that drowning in debt and the inability to retire are.