Student-loan borrowers have delayed buying a home or car, having kids, and getting married because of their debt — even for those with balances smaller than $10,000

• A new Gallup and Lumina Foundation report delved into the impact of college costs on adults' lives.
• It found that student-loan borrowers often delay key milestones, like having kids, because of the debt.
• Even borrowers with balances smaller than $10,000 have pushed off life events. 

Many student-loan borrowers—even those with relatively small balances — can't progress in life because their debt is holding them back.

On Wednesday, Gallup and the Lumina Foundation released a new report on the cost of college and how high education costs impact students' decisions to stay in school and make major life choices.