Vrbo's survey shows this age group isn't one to forgo a trip simply because they can't afford it.

millennial travel debt
Credit: Getty Images

When looking into a possible vacation, what are the biggest factors in determining where, when, or even if you’ll go? We’d guess time and money are probably top contenders for pretty much everyone across the board—but a recent survey from vacation rental platform Vrbo sheds some light on how some travelers (ahem, millennial travelers) choose to jet set regardless of budget limitations.

According to Vrbo’s report, millennials are by far the most willing and likely age group to go into debt for travel (37 percent), compared to both Gen Xers (27 percent) and Baby Boomers (15 percent). And for nearly half of millennials (45 percent), travel is mostly about pure, unadulterated exploration, rather than for special occasions like a wedding anniversary, birthday, or to attend family member’s wedding (milestones for which Gen Xers are most likely to travel).

“Forget what you thought about millennials traveling on a shoestring,” says Karen Fuller, senior director of global market research at Vrbo. “Our results revealed they’re actually the most likely to go into debt for travel, which is consistent with the notion that millennials like to accumulate experiences, not things.”

Even if millennials differ from their Gen X and Baby Boomer counterparts in their willingness to adventure now and pay later, the same things spark wanderlust in all generations: the desire to relax and travel with close friends or family. Every respondent rated relaxation as their top travel motivation, and more than half revealed they have a family vacation in the works for 2019.

But listen, just because other people are fine going into debt for plane tickets doesn't mean you have to. Here's how to save for the vacation you deserve.