In the Netherlands, higher education used to be free and supported with a reasonable stipend, but in the past decades, students have to pay a few thousands of Euro to attend education and the stipend are no longer sufficient to cover costs of living. So, instead of earning an income sufficient to start a family they have to make extra costs for about half of that. If they do not have rich parents that can support them, they have to have jobs (often causing extra delays) or borrow money. Both of the latter causes delays in when they can start a family. I have some colleagues who are not able to buy a house due to the debts they have. Although the interest rates for these debts are low and rules with respect to paying the debs are relaxed, the banks still take them into account when applying for a mortgage.