The increasing debt load of college graduates has affected young people's lives in untold ways, from career choices to living arrangements. Now add another impact on a key part of young adult life: dating and marriage.

Rachel Bingham, an art teacher in Portland, Maine, learned this a few years back, when a guy broke it off after four months of a budding relationship. Among other reasons, he cited her $80,000 in student loan debt.

"He said it scared him," she recalls, "that it really made him anxious. And he just did not want to take on my responsibility."