While debt from student loans continues to place immense financial pressure on many graduates, the emphasis on saving is still stronger than ever.

Saving for retirement is thought of as a cornerstone to achieving many life goals. It promises security for those that work most of their lives as they look forward to restful years ahead. However, because of costly student loan debt, it’s been considered this goal was far too out of reach for students with high tuition costs.

According to studies regarding retirement plan participation and student debt, this is not the case.

The Center for Retirement Research at Boston College released a study on Friday for graduates from the early 1980’s. The goal was to examine the amount of retirement savings for indebted millennials, compared to those who have minimal debt. Surprisingly, despite the fact that many graduates had large amounts of loan debt, their participation in 401k programs was similar to those without educational debt.

By age 30, many of the 80’s graduates were found to have approximately $10,000 in savings assets, while those without debt expenses have around $18,000. However, this doesn’t consider other types of statistics such as employment or other financial obligations. Students able to manage costs and other debt factors are essentially doing as well as those without outstanding debt for retirement.

Of course, this does not imply graduates are without financial burdens. The cost of tuition has risen considerably over the past decade and post-education students deal with many roadblocks because of it. For instance, some of the graduates at age 30 have an average debt of roughly $10,776 owed primarily to student loan repayments. Individuals without student loan repayments have an average debt of around $4,800. The debt amount is considerable enough that the ability to make financial decisions, is difficult for graduates

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In some cases, graduates do not have the same amount in retirement assets. Some reaching the age of 30 are projected to have only $5000 in retirement assets if they continue to repay loans, while those without loan debt have nearly $12,000. So those who continue to repay loans may face challenges saving for retirement if they still have loan debt at age 30 and beyond.

These hurdles often discourage graduates from making big financial decisions, such as taking loans for a home or investing in larger purchases. An analysis by Student Loan Hero found that 40 percent of 1400 students would prefer not to take out higher debt amounts for things like a new home.

It’s encouraged students, graduates, and borrowers do everything they can to pay off their balances. Without financial difficulties, these same alumni can put more towards their retirement and look forward to a generous safety net.

Whether or not the trend of similar retirement plants for debtors and non-debtors continues remains to be seen. Student loan debt totals $1.3 trillion nationally, and with increasing costs for tuition, it might be too difficult for students to put something towards a 401K. Only with proper financial balancing is it considered possible to pay into retirement