Recently, millennials are sometimes referred to as the Boomerang Generation or Peter Pan Generation, because of the members' perceived penchant for delaying some rites of passage into adulthood for longer periods than previous generations. These labels were also a reference to a trend toward members returning home after college and/or living with their parents for longer periods than previous generations.[6] These tendencies might also be partly explained by changes in external social factors rather than characteristics intrinsic to millennials (e.g., higher levels of student loan debt in the US among millennials when compared to earlier generations can make it more difficult for young adults to achieve traditional markers of independence such as marriage, home ownership or investing).[7][8]