Financial advisors working with younger clients in the lesbian, gay, bisexual, transgender and two-spirit community will need to take into account their particular concerns, according to a recent survey.

Just half of millennial full-time and part-time workers in the LGBTQ2 community have a positive outlook on their financial situation, according to a survey from TD Bank and TD Securities cited by ThinkAdvisor. That’s 9% lower than their older counterparts, the publication writes, citing the survey, which polled 1,251 LGBTQ2 community members in the U.S. and District of Columbia among the more than 90,000 LGBTQ2 members of Community Marketing & Insights’ research panel.

Chief among younger LGBTQ2 community members’ concerns is student debt: 71% of respondents with a bachelor’s degree have outstanding debt, with a median of $40,000, and one in five has $100,00 or more in debt, the survey found, according to ThinkAdvisor. Sixty-three percent of respondents say their debt is making them put off saving for an emergency; 51% say it’s hindered saving for retirement, and 46% say student debt has prevented them from buying a house, according to the survey, the publication writes.

Millennial members of the LGBTQ2 community have other concerns related to the workplace: 22%, for example, say that being out about their sexual orientation with their companies’ senior staff would hinder their career prospects, the survey found, according to ThinkAdvisor. And only 18% of respondents say they have access to employee resource groups for LGBTQ2 workers. Among those who do, 57% say they’re members, according to the survey, the publication writes.