With the average cost of living continuing to increase, more and more individuals find themselves moving back home with their parents to save money.

According to The Morning Call, a Harris Poll conducted on behalf of the New York-based American Institute of CPAs found that more than one-third of college students enrolled in the fall of 2015 anticipate living at home as a result of their student loan debt. Many also assume they will need to find a job outside of their field in order to afford the payments.

Many college students expected to pay off their loans within nine years of graduation. Only about 18% were more conscious of the reality that it will likely take them over a decade to pay them back.

With a quarter of them admitting to not knowing when they will be able to eliminate student loan debt, 6% hadn’t even given it any thought.

Carrie Coghill, CEO of Coghill Investment Strategies voiced her concerns that young adults moving back home could become complacent and stuck in a state of arrested development.

“The natural tendency as a parent is to want to take care of your child regardless of how old they are,” she said. “As a parent, you should not revert to taking care of them as a child, such as cooking their meals, doing their laundry and paying their bills. That phase of life when they return home should be different than it was before they left,” explained Coghill.

Unfortunately, this trend has been a concern for over ten years, with little headway, even though it is not currently getting worse.

However, according to The Columbus Dispatch, with over 45 million people moving every year in the U.S., older generations are also finding themselves in a similar situation as the college grads.

In order to make long-term care more affordable, state officials from Ohio have been boosting the number of elderly, disabled, and mentally ill individuals cared for at home.

Their strategy involves serving fewer patients in nursing homes and other institutions at a higher price, while lowering the cost for Medicaid beneficiaries at home.

So far the shift has been substantial, with 60% of patients receiving long-term care through home and community care while just 40% are in institutional care. That’s nearly the reverse from less than a decade ago, when 58% of seniors stayed in nursing homes and just 42% were cared for at home.

State officials project that by 2017, nearly two-thirds of Medicaid beneficiaries will be receiving care at home.

Since 2008, Ohio’s Home Choice Program has been one of their most successful tactics, allowing them to move over 7,000 people from institutions, back into the community. About 1,400 more are working with caseworkers to find housing and set up any services required by the patient.

“It’s helped Ohio re-balance its long-term-care budget,” Said Ohio Medicaid Director John McCarthy.

According to the most recent accessible statistics, Ohio now devotes 62 percent of its long-term-care spending to home care, an increase from 50 percent just one year ago.