Young adults dream of graduating from college and buying a place to call home after they graduate. Most young adults have a problem receiving a loan because they do not have a long history of their credit, therefore banks are relucant to give them a loan. Also, banks do not want to give more loans to the same persons because they have thousands to pay off in college debt. But, if these persons pay for more college than their monthly fee, banks are more likely to give a loan. Another reason it is difficult to buy a house is that interest rates are increasing steadily, which makes the prices of everything increase. But the income of the persons stays the same, which makes it harder to pay off the debt accumulated. Which in turn, makes the negative equity decrease the value of the home.