Congratulations, college Class of 2014.

You're out of school, in the job market, ready to make some cash and put the ramen-eating days of student brokenness behind you.

Just don't throw those chopsticks away just yet.

Pew Research shows that grads who took on student loans on their way to a degree may end up living off Maruchan noodles for years to come due to the trickle-down effect those student loans have on grads' overall financial picture, including credit card debt, car loans and mortgages.

According to Pew, households led by young, college-educated people with student loan debt have only one-seventh the total net worth of grad-led households with no debt: $64,700 vs. $8,700.

The number is even more stark for those who took on debt but didn't receive their degrees, with debt-free non-grads having a 10-times larger net worth than non-grads with student debt.

Check out these alarming stats about young households with student debt, then view the slideshow above to see the Texas universities where students graduate with the most to pay back..

Facts about student loan debt and finances:

  • Thirty-seven percent of American households are headed by someone younger than 40 with student loan debt. It's the highest number on record.
  • Starting in 2009, student loan debt passed credit card debt as the second largest type of debt held by Americans, after mortgages.
  • Households headed by a college educated person without student loan debt have a net worth seven times higher than households headed by student loan debtors: $64,700 versus $8,700.
  • For households headed by people without a bachelor's degree, those without any student debt have an overall average wealth nine times higher than those with student debt: $10,900 versus $1,200.
  • Grads with student loan debt are more likely to have other kinds of consumer debt, like car loans and credit card debt.
  • The average overall debt (student loans, car loans, credit card, mortgage, etc) for a college grad households with student loan debt is almost twice as much as college grad households without student debt: $137,010 versus $73,250
  • The average overall debt for non-grad households with student debt is more than 10 times higher than non- grad households without student debt: $28,300 versus $2,500.
  • The average household income of grad-led households with student loan debt is twice that of households led by someone without a college degree: $57,041 versus $32,528.
  • Households led by college-educated people with student debt are more likely to owe money on a vehicle than grad households without: 43% versus 27%.
  • Households led by college-educated people with student debt are more likely to owe on credit cards than grad households without: 60% versus 39%.
  • Those people who took on debt to pay for their degrees are more likely to be dissatisfied with their overall financial footing than those who didn't.
  • Student debtors with degrees have a median overall debt (including debts of all types) equal to more than twice their annual income: 205%.
  • The median grad-led household without student loans has an overall debt-to-income ratio of exactly 1-to-1: 100 percent.
  • The average debt across all households peaked at the end of 2008.
  • Wealth gaps are widening between households with student debt and those without.

The takeaway:
Student debt makes it harder for college grads to get their bigger financial picture in order.