Student loan debt doesn't just affect your finances; it could also affect your love life and dating. Seventy-five percent of college graduates surveyed view student loan debt as baggage, according to a recent IonTuition survey. Respondents see debt as baggage, and the majority of college graduates have debt and the average student graduates with more than $37,000 in student loan debt.

Twelve percent say that "high levels of student loan debt are considered a bigger relationship consideration than being divorced, having a child from a previous relationship, or even having a record as a non-violent felon."

Debt can even determine whether there is a relationship at all, as almost half "considered the amount of student loan debt someone has an important factor when starting a relationship."

Perhaps the reason why student debt is such a factor is because over 70 percent "felt compelled to help pay off their significant other's student loan debt." And, over a third "would date a wealthy benefactor if he or she would pay off their student loan debt."

To avoid this debt in the first place, some young women are also making use of "Sugar Daddy" websites before they even need that wealthy benefactor.

NBC News spoke with Howard Dvorkin, Chairman of, who said "any debt is toxic to your love life." He has counseled couples on finances for more than two decades and has "seen debt nearly destroy their relationships — especially when one partner has a lot and the other has little or none."

Erin Lowry, founder of, has no debt, but her boyfriend does. "I have yet to meet a millennial who has dumped a partner because they've got student loan debt," she said. "It's not like consumer debt, it's 'good debt.' You tried to better yourself and to [position yourself] to earn money in the future, so it's rarely seen as a reason to end a relationship, but it does put a strain on things."

Lowry and her boyfriend have been together for six years, and she didn't think much of his debt, until things started to get serious. "At first I didn't think much of it, but when marriage became a possibility we had to have the financial conversation, which I call getting financially naked. It's about more than releasing [the amount] you're in debt, it's about discussing your whole financial goals, where you want to be in 10 years, and how you plan to retire," she said.

While debt "can put a lot of pressure on young people and young relationships," she said, "it's not a relationship ruiner."