This article delves into the complex, often paradoxical, relationship between rising student debt and declining rates of homeownership, particularly among younger generations. It analyzes the specific mechanisms through which student loans impede the path to property ownership and explores the macroeconomic and societal implications of this pervasive financial trend. Finally, it examines potential strategies and policy considerations aimed at mitigating this profound economic challenge, offering a comprehensive view of the trade-offs at play in the modern pursuit of prosperity.