The projected net worth for a graduate in the class of 2016 is -$33,984. And yes, that’s a negative net worth. Net worth, your financial liabilities minus your financial assets, is a major factor in millennial debt. Millennials, age 18-35, carry $1.1 trillion of the nation’s $3.6 trillion owed in consumer debt. The top contributors to that accumulated debt? Student loans, credit cards and car payments.