(RECAP: High debt levels and weak job prospects have made it hard for many young, educated Americans to buy homes. In addition, more grads are moving home to live with their parents — 36%, according to a recent Pew survey. While that saves on living expenses, it limits their ability to build the credit histories they need to eventually get a mortgage. The result is a decline in the percentage of 18-to-32 year olds heading up their own homes — just 34.3% as of this past March, versus 36.1% in 2007. The New York Federal Reserve reported recently that, for the first time, the homeownership rate among college graduates was less than non-grads.)