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Finally, if a lack of parental investment won???t stop a would-be millionaire next door, it???s likely our nation???s ongoing student loan crisis will. The amount of debt per student with loans is $28,000 for graduates of the class of 2013 (Fidelity Investments claims $35,000 if you count credit card bills and loans from parents). Faced with a tab like this, at least some members of Generation Y have understandably concluded they can???t afford to take on much in the way of financial risk. A survey earlier this year by a group called Young Invincibles found 23 percent of those with private student loans claiming they would like to start their own entrepreneurial endeavor, but that the amount they need to pay back to less-than-flexible lenders is stopping them.