A study by the Pew Research Center shows that today’s college graduates are carrying much more debt than their predecessors.  Those earning bachelor’s degrees are leaving school with 50% more debt than graduates did just a dozen years earlier, while those earning undergraduate degrees or certificates are carrying twice as much debt as earlier graduates.  Why does this matter to you?  Because it means this generation of college grads will have significantly less money to spend coming out of the gate.  If your business model depends on refreshing your customer base with new, young consumers, what can you do to counteract the effect of their reduced spending power?