Last week the Washington Post reported on a study by Goldman Sachs about the effect of college loans on home buying. The study found debt to be a significant deterrent: Among millennials (in this study, people aged 25 to 34 in 2010), having a student loan of $50,000 or more reduces a person’s chances of buying a home.

The homeownership rate for people who carry more than that is estimated to be 8 percentage points lower than it is for college graduates with less than $50,000 in student debt, according to the analysis, which is based on the Federal Reserve’s 2010 Survey of Consumer Finance.

The study also found that if graduates pay 10 percent or more of their income on student loans, their rate of homeownership is about 22 percentage points lower than others in the cohort.

The good news is that only 6.6 percent of people that age had more than $50,000 in debt. But that was four years ago and it does not appear to include those who graduated from high school only!