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Of course, Austin got a huge financial gift from her partner, but even those who receive small loan payments will likely be grateful, as the student loan survey revealed.

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That’s because many of the 40 million Americans who are still paying off their student loans want something very different for the holidays.

A survey of 1,000 student loan borrowers from Lend EDU released this week found that 71% would prefer an equally-valued student loan payment over the i Phone X, while 73% wanted the payment over the new Apple Air Pods.

“The closer you are to the person, the more direct you can be,” concludes Hoffman.

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