Here’s How Student Loan Debt Will Affect Millennials in the Long Run

Spoiler alert to no one: Debt among the millennial generation is an unfortunate fact of life. It’s such a universal issue that “paying off debt” was listed as the number one New Year’s resolution among 20-somethings this year. Some cities are even now offering to pay off student loans as an incentive for young people to move there. In this new infographic, mental health org Yellowbrick takes a deeper dive into what the national debt crisis means for our generation.

Scroll on down to take a look at all of the other findings nestled in this infographic (and then we highly suggest you DL these calming meditation apps).

What was the most shocking fact you discovered in this infographic? Share with us on Twitter @BritandCo.

(Infographic via Yellowbrick, Feature image via Getty)

HSA isn’t just for prescriptions and doctor’s visits – there’s actually a ton of things you can buy with your savings. Blue light glasses and sunscreen are commonly HSA eligible, but a lot of people don’t know you can also finesse fancy spa visits and life-changing massage guns (I’m looking at you, Theragun) with their HSA dollars. Some of these items are also FSA eligible, so if you’ve got some funds to use before they expire at the end of the year, you’ve come to the right place!

Your HSA funds can do way more than you think. Check out these 14 unexpectedly fun health-related finds to help you step up your self-care!

What is HSA?

Polina Tankilevitch / PEXELS

HSA stands for Health Savings Account, a type of savings account that lets you set aside funds to pay for qualified medical expenses. HSAs are often available as a part of health insurance plans, though banks and credit unions offer them, too.

What can I buy with an HSA?

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You can buy a lot more with your HSA funds than you think: menstrual products, over-the-counter medicines, sunscreen, and travel to and from medical appointments are just some of the things you can buy with an HSA.

Is HSA worth it?

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Whether an HSA is worth it is really dependent on your needs. There are some nice advantages associated with it, though. You may be able to lower your out of pocket costs for medical needs. Plus, the funds are not taxed, so you may be able to save more. Unlike an FSA (Flexible Spending Account), HSA funds roll over year-over-year, so you don't have to worry about it expiring.

Should I max my HSA?

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Maxing out your HSA to your account's annual maximum amount via monthly contributions can be beneficial if your goals are to save money and limit out of pocket costs for medical care. You can also opt to invest some of your HSA funds, which can be a smart decision for saving for things like family planning or retirement.

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Sunscreen

Per Cigna, sunscreen counts as a reimbursable HSA purchase. SPF is super important for skin cancer prevention, plus wearing it regularly can reduce signs of aging – a win-win!

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Hatch Alarm Clock

The famed Hatch Restore alarm clock is both HSA and FSA eligible. It's a superb tool for going to bed soundly and waking up feeling refreshed as ever!

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Period Underwear

Menstrual care and feminine hygiene products are also HSA eligible. Cigna says this category may include tampons, pads, liners, cups, sponges, and similar items, like period underwear!

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Theragun

This luxurious massage gun is both FSA and HSA eligible! It's truly life-changing for relieving muscle soreness and tightness. Therabody's other devices like the Theragun PRO Plus, Theragun Sense, and Theragun Relief are also eligible.

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Oura Ring

This fitness tracker ring is FSA and HSA eligible – it can help you keep tabs on your sleep, activity, stress, heart rate and more.

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Breathing Strips

According to Cigna, breathing strips are HSA eligible, plus you don't need a doctor's prescription for reimbursement.

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Electric Toothbrush

Electric toothbrushes are HSA eligible and reimbursable with a medical diagnosis. This model in particular cleans way better than a regular toothbrush, expertly supporting your oral health.

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Essential Oils

Essential oils are HSA-covered with a medical diagnosis. Certain oils can help relieve stress, anxiety, physical pain, and nausea, and aid in better sleep.

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Hand Sanitizer

Hand sanitizers of any kind are also surprisingly HSA eligible. We love these sprays from Touchland because they're cute, easily portable, and smell delicious.

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Humidifiers

Humidifiers are indeed HSA eligible – the moisture they put out into the surrounding air can relieve respiratory issues, common colds, and even reduce snoring.

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Air Purifiers

Similarly, air purifiers are eligible because they can help remove airborne contaminants and viruses that cause allergies and disease.

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Spa Trips

In the case you're prescribed a lovely visit to a spa or resort by a physician for medical treatment, the only part that's covered by HSA are the services you receive while you're there. The cost of transportation is not eligible for reimbursement.

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Blue Light Glasses

Blue light glasses are covered by HSA; lenses like these block out blue light from screens which helps prevent eye strain and fatigue.

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Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

If you've got a New Year's Eve party on the docket this season, we've got all the inspo you could possibly need for a fire outfit! From sequined get-ups to quiet luxury looks, we absolutely love to see what everyone puts on for the countdown to the new year. Get ready to shake up some tasty New Year’s cocktails, get your boogie on, and take some amazing Instagram pics before the ball drops.

Ring in 2025 in style with these stunning New Year's Eve outfit ideas!

Erin Sheehan

Leather pants will always make a statement, no matter where you wear 'em.

Emily Russell

If you want to be The Moment at this year's NYE party, don't be afraid to have fun with your outfit! This iconic sequined dress and hot pink gloves combo def catches our eye.

Meredith Holser

Sequins galore! Pop on a matching set with your favorite boots and a chain belt to easily accessorize.

Olivia Shea

Save this outfit formula – sequin mini dress, tights, and a blazer – for an easy NYE outfit. You could easily shop your 'fit from thrift stores or secondhand shops if you're putting together a look at the last minute.

Kayla Walden

This little tweed matching set is giving all the luxe looks you need for an elegant NYE get-together.

Meredith Holser

If a big blowout NYE party is calling your name, you might want to dress a little lighter. Big parties can get crowded and rowdy, so be prepared to sweat it out in a mini dress and practical, dance-friendly boots.

Erin Sheehan

The texture on this dress is everything. If you want your New Year's Eve outfit to stand out, opt for a piece with an interesting texture, pattern, or eye-catching color!

Kayla Walden

There's nothing a little black dress can't do! Break up the piece a bit by styling your go-to LBD with a colorful belt around the waist. We also adore the statement earrings in this gorgeous gal's ensemble!

Meredith Holser

Speaking of interesting patterns, leopard and cheetah prints are hot right now. Whether you don it on a top, pants, skirt, dress, or accessories, you'll be looking so chic.

Olivia Shea

Okay, fur coat! This layered outfit idea is fully convincing us to make a beeline to the thrift and find the fluffiest jacket around. Pair one with a basic black dress and tights, and you're golden.

Emily Russell

We're head over heels with this frilly, fringey look. The sheer fabrics add a hint of flirtiness, which is all you need for a fun NYE function!

Kayla Walden

Leather jackets were practically made for New Year's Eve outfits. We adore the trench-length of this one, especially when worn with a maxi dress that's just as long.

Olivia Shea

Another pop of cheetah print! This NYE outfit idea has it all, from playful prints to shiny sequins.

Meredith Holser

This 'fit would be excellent for an at-home NYE celebration, where you want to look cute, but don't want to feel uncomfortable. Mini dress + cardigan + socks + ballet flats have never been so adorable!

Emily Russell

You can never go wrong with a fun pair of tights!

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Just how expensive is it to have a baby in 2024? One woman sharing her experience on social media has sparked a much-needed conversation about financial transparency when it comes to starting (or growing) a family.

Josephine Anderson, who posted a video on her Instagram @fosterthevalley, outlined the costs of her uncomplicated vaginal birth, and TBH, it was shocking.

The financial breakdown of her experience (with Cigna for insurance):

  • Routine office visits (including 2 ultrasounds): $1,266
  • Labs: $3,440.81
  • NIPT genetic testing: $15,319.36
  • Anatomy scan: $1,270
  • RhoGam: $360
  • Hospital for mom: $23,722.10
  • Hospital for baby: $7,402.80
  • OBGYN for delivery: $5,000
  • Epidural: $5,720
  • Breastfeeding support: $2,589.78
  • Pediatrician: $209
That all racks up to a whopping total of $66,299.85. After insurance was factored in (her deductible was $3,000 while her max out-of-pocket for in-network expenses was $11,000), the total cost for her uncomplicated vaginal birth was $4,788.98. Forbes Advisor reports the average cost of having a baby in 2024 is $2,854.

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Josephine’s video warranted thousands of comments, most of which were appalled by the costs of her experience:

“This needs to be shared in SexEd classes,” one commenter wrote.

“The US medical system is BROKEN,” another said.

“And people are still confused why more women are choosing to remain child free… we literally can’t afford it,” another user commented.

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Brit + Co spoke with Wendy Colson RN, IBCLC and CEO/Founder of BOOBIE Superfoods to gauge if Josephine’s costs were typical for the care she received. Colson has significant insight into how insurance works not only from an employer’s perspective, but from personal experience as a patient with breast cancer.

“The $4,788.98 net amount she mentions is realistic given that her deductible was $3,000. If she had chosen a plan with a $1,000 deductible – which is a common ceiling for good coverage – the same scenario would have cost her around $2,789,” Colson said. “The video highlights the importance of understanding what you're getting with an insurance plan, especially when you anticipate major life events like childbirth.”

Sarah Chai / PEXELS

Colson primarily attributes unanticipated costs for medical care (like in Josephine’s case) to patients that choose their insurance plans with, well, no real plan.

“Many [people] opt for the [plan] with the lowest paycheck deductions without fully evaluating the benefits,” Colson said.

There’s often a tradeoff between paying less per paycheck and receiving your desired benefits: for example, if you elect to contribute less money towards your insurance per paycheck, you may end up paying more out of pocket for things like doctor’s office visits and prescriptions.

“Making an informed choice is key to saving money in the long run,” Colson continued. “In short, it's crucial to consider both the immediate costs (like paycheck deductions) and the potential future costs (like deductibles and copays) when choosing an insurance plan.”

Anna Shvets / PEXELS

Another major cost Josephine mentions in her video was 12 weeks of unpaid maternity leave, which cost her a total of $18,000 (in lost income).

Per the passing of the Family and Medical Leave Act (FMLA) in 1993, moms have a legal right to up to 12 weeks of unpaid maternity leave. The U.S. Department of Labor notes that the act was designed to help employees balance their work and family responsibilities, accommodate the legitimate interests of employers, and promote equal employment opportunity for men and women.

Matilda Wormwood / PEXELS

It all sounds great until you realize the time off is indeed unpaid, which doesn't really aid in the amount of money parents end up owing after all is said and done in the pregnancy and childbirth processes.

Only 13 states plus the District of Columbia offer paid maternity leave. When you compare the United States’ laws to that of other industrialized nations, they don’t exactly measure up.

Colson says Sweden’s maternity leave policy is “one of the most generous,” offering 390 days of paid parental leave (shared between parents) and 80% of wages covered for a significant portion of the leave. In Germany, mothers are entitled to 14 weeks of maternity leave plus a tax-free, income-based allowance straight from their insurance provider.

Jonathan Borba / PEXELS

Though it’s likely that US laws will never be that generous in terms of paid maternity leave, there are a few things you can do to make the blow of medical costs hurt a little less, says Colson.

“My advice is to be your own advocate,” she says. “If you’re planning to have a baby, start by understanding what your state provides in terms of paid leave to avoid surprises after delivery.”

To keep the cost of having your baby (if you’re planning to have one) transparent and free of surprises, Colson recommends:

  • Asking your physician’s office for a detailed breakdown of insurance billing codes, including:
    • Office visits
    • Lab work
    • Epidural (and the anesthesiologist’s separate fee)
    • Hospital admissions
    • Specialist consultations during admission
    • Optional procedures like circumcision, if desired
  • Email the insurance billing codes to your insurance provider, who can help calculate your out-of-pocket costs and deductible

“Having a baby is priceless,” Colson says. “By planning ahead – understanding your insurance options, healthcare costs, and available benefits – you can ensure peace of mind and focus on what truly matters: your growing family.”

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If you've been on the internet at all this week, you've probably heard about some totally invasive paparazzi leaking Sydney Sweeney's backyard bikini pics — and her incredible clap back to all the trolls body shaming her in the comments. After the actress showed off her resilience & her muscles in a training video from her new Christy Martin biopic (and celeb BFF's like Glen Powell weighed in), she took things to the next level by posting some spicier selfies from a rooftop in NYC.

Sydney Sweeney's latest spicy selfies prove she couldn't care less about her bikini body shamers.

Sydney Sweeney (almost) bares all in new Instagram selfies.

"rain rain go away," Sydney Sweeney says in a new Instagram post, which already has 3.4 million likes. The carousel of photos includes Syd standing on a rooftop in New York City (where it has been raining recently) wearing jeans and a brown-and-cream colored Miu Miu cardigan. The Housemaid actress also clutches a brown leather Miu Miu purse boasting plenty of charms.

I have to call out one of my favorite comments on the post, which comes from Sydney's hairstylist Glen "Coco" Oropeza and says, “It’s 68 degrees, and there’s a 30% chance that it’s already raining,” referencing one of the most iconic lines from Mean Girls (which is what his Instagram username references too!)

"hopefully your sunshine will push those clouds the f out 😍," another user commented, hyping up Sydney's positive response to all those internet trolls.

And her friends totally have her back.

Sydney's post came four days after she responded to body shamers with an intense training video from her new Christy Martin biopic — and more than one past costar supported her in the comments.

Isabela Merced, who starred with Sydney in Madame Web, said "The thing is these people would never say it in person. Too scared. But if they ever did? best believe it’s hands 😘, while Syd's Anyone But You star Glen Powell commented, "You’re such a bad—ss. This movie is gonna be 🔥."

Sydney and Glen got super close on the Anyone But You set, and formed such a strong connection that they fooled the entire internet into thinking they were having an affair. But in real life, they're just BFF's!

"I wanted to make sure that we were actively having a conversation with the audience as we were promoting this film," Sydney told The New York Times. "Because at the end of the day, they’re the ones who created the entire narrative."

"Once [the movie] did become a success, a lot of the interviews were just questions about [the rumors], so I don’t know if we necessarily were planning on ever talking about the strategy behind any of it," Sydney added in her 2025 Vanity Fair Hollywood story. "We just had very specific questions and when you say no to a question, people think that you’re a b—ch, so."

Check out the latest news on Sydney Sweeney's insane new thriller Eden, with Jude Law, Vanessa Kirby, and Ana de Armas.

Life comes at you fast when you're in love, while you're juggling career goals, pets, babies, friends, family, and whatever else folded in to your very, very filled cup. One minute you and your spouse can't enough of each other, but then time passes and you might start to feel like you're roommates. "Ugh, what is that about," is a question I used to ask when my own relationship's spark felt like tiny embers amongst our ever-growing responsibilities. Licensed psychotherapist Lucas Saiter, LMHC, owner and director of Manhattan Therapy NYC, says, "It's crucial for couples to acknowledge periods of disconnection without judgement."

According to him, you can start "by having an open conversation about feeling disconnected" which is a "positive step" in the desired direction. But, he wants this to happen during "a calm moment" instead of "during a conflict or when there are distractions."

The ultimate goal is for "each partner" to feel like they have "the opportunity to express their feelings openly and honestly, using 'I' statements to avoid blaming, while the other partner actively listens without interrupting or getting defensive," according to him.

TK ways to renew your marriage when you're busy checking off your to-do list

Your marriage isn't doomed because you feel like it's gotten off track. Saiter says, "Rekindling the spark in a marriage goes beyond physical intimacy; it's about creating emotional closeness and shared experiences. Couples can focus on deep, meaningful conversations that go beyond the day-to-day logistics."

1. If you don't cook often, surprise your spouse with their favorite dinner recipe.

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Saiter says you or your spouse "can make time for small gestures of kindness and thoughtfulness, like cooking" each other's "favorite meal." We don't know everything, but we're aware that home-cooked meals mean a lot to some people. Eating out is fun, but seeing someone put time and effort into a meal for you feels more personal.

2. Allow your partner to sleep in while you handle bank runs, grocery shopping, and other chores.

Michael Burrows

One of the other ways to each other's heart is "...running errands to show love and appreciation," according to Saiter. This can look like letting your partner rest while you handle early morning visits to the bank or grocery store before traffic picks up on the weekend.

Setting aside time for shared hobbies or interests can also be incredibly rejuvenating. For instance, taking a class together, whether it’s cooking, dancing, or photography, can help in discovering new aspects of each other and create fun, shared memories.

3. Sign up for a dance or photography class together.

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If you've been thinking about taking a cooking, wine, dance, or photography class together, now's the time to do so! Saiter says, "Setting aside time for shared hobbies or interests can also be incredibly rejuvenating." Before you roll your eyes because you think you and your spouse don't have anything in common anymore, take a step back to remember what it was like when you were dating.

You probably went on different dates like going to the bowling alley, visiting a pumpkin patch, or even taking a candle class together for fun. Doing this again "can help in discovering new aspects of each other and create fun, shared memories," according to Saiter.

4. Verbally share why you're grateful for each other.

Andrea Piacquadio

Yes, it's time for you and your spouse to remember why you chose to exchange vows. "...practicing gratitude by regularly expressing appreciation for each other's qualities and contributions can strengthen the emotional bond and bring back the warmth and closeness," Saiter says.

You can tell your partner you appreciate the times they've sensed something was wrong and knew just what to say to cheer you up. Also, you could simply thank them for remembering to take out the trash without you having to ask.

There's no rulebook that says expressing thanks for each other has to be elaborate and drawn out. It's just something to help you remember how much you see each other.

5. Set aside time to hold hands or cuddle everyday.

Pavel Danilyuk

If you or your spouse are experiencing a drop in your libido, physical intimacy be hard to navigate. Saiter says, "Overcoming a 'dry spell' requires open communication and a willingness to explore underlying issues." As difficult as it may be, don't be afraid to express concerns because "there are many feelings and unsaid wants underneath the 'dry spell,'" he adds.

Doing something as simple as "prioritizing physical, non-sexual touch" is one way way Saiter believes can help you and your spouse become close again. You do things like "holding hands, cuddling, or sharing a long hug," to add a little spark back to what you had.

6. Pencil in date nights.

Jep Gambardella

How many times have your or spouse asked, "Who has time for date night?" Wait, we don't want to know because chances are one of you have said it one too many times to count. Saiter says, "Planning regular date nights or weekends away can also help break the routine and create a sense of adventure in the relationship."

Communicating and being open to trying new things in the bedroom, like role-playing, using toys, or trying new positions, can also reignite the spark and make things exciting again.

You can also try revisiting places or activities that were significant earlier in your relationship to evoke nostalgic, passionate feelings and remind you both of your deep connection.

7. Let your adventurous side show in the bedroom.

Andrea Piacquadio

If one of you are comfortable initiating sex again, let your fun side call the shots. However, Saiter wants to make sure you're "communicating" before surprising your spouse. "...being open to trying new things in the bedroom, like role-playing, using toys, or trying new positions" is one of the ways he thinks you can reconnect behind closed doors. It's all about finding safe ways to "reignite the spark and make things exciting again," he shares!

8. Revisit the place you fell in love with your spouse.

Taylor Thompson

If you remember the exact time and place you knew your spouse was the one, Saiter suggests revisiting it to "evoke nostalgic, passionate feelings and remind you both of your deep connection." Whether it was at your local pizza parlor, the park, or even at a place like Disney World, find your why again.

My spouse and I are doing great after incorporating these tips, but how can we stay consistent?

Ba Tik

Saiter says, "Life gets busy, but it’s crucial to carve out time for each other. Treat it like any other important appointment—block off time in your schedule for date nights, family dinners, or just time relaxing together." Maybe you think it should sound so simple, but it is. Like Saiter says, you have to prioritize your marriage just like you do everything and everyone else.

Ways to help you do so are limiting "distractions by putting away phones and other devices" to "talk about your dreams, unwind together or simply enjoy each other's company," he adds. Still struggling?

"It might also be helpful to look over your daily responsibilities together to make sure the workload at home is shared fairly. Building a strong and fulfilling relationship takes effort and commitment. By prioritizing your partner, communicating openly, and making time for each other, you can strengthen your bond and reignite the spark," Saiter suggests.

All in all, Saiter believes "seeking couples counseling can be a great step toward getting the conversation flowing," if you and your spouse are still having trouble finding the spark in your marriage.

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