People without college degrees are less likely to own homes as they tend to earn much less and aren’t as likely to get help from friends and family.

The Wall Street Journal reports.

Homeownership Elusive for Young Adults Without College Degrees

Student loans are often blamed for the record-low homeownership rate among young adults. But new research suggests that young people without a college diploma face especially big hurdles to owning a home.

Renters ages 18 to 34 years old without student debt will need just over five years of additional savings to afford a 20% down payment for a starter home, defined as the median home at the bottom third of the market, according to research to be released Monday by Apartment List, a rental listing website. In comparison, it takes college grads with student loans about 10 years. For those who haven’t graduated from college, the wait to buy a home swells to nearly 15.5 years.