The average cost of holiday travel is proving to be too much for some with student loan debt according to a new survey conducted by Student Loan Hero, a financial education organization.

The survey found that 1 in 5 people who have student loan debt are unable to afford travelling this holiday season, a busy time for all forms of travel, especially for airlines.

Obviously, travel costs can vary greatly depending on the type of travel and how far the destination is. For one, air travel is always more expensive than traveling by vehicle and staying with relatives and family is always more inexpensive than staying at a hotel.

Of course, families with kids will really be hitting the bank this holiday season.

The survey found the following regarding holiday travel costs:

>55 Percent plan to fly, with half of that number spending between $275 and $750 on airline tickets. 17 percent of airline travelers plan to spend $1,000.

>43 percent will drive a personal vehicle, with two-thirds of drivers expecting to spend less than $200 on gas.

>60 percent plan to pay for accommodations during their travels with more than half expecting to spend more than $500 on lodging.

>69 percent will spend $500 on miscellaneous costs such as food, parking, and rental cars.

Many student loan borrowers are turning to creative ways to earn extra cash to spend this holiday season such as cutting back their spending in other areas of their budget. Some even reducing the amount of subscriptions they pay for per month.

More are turning to cheaper destinations, dropping their round-way to New York in favor of closer or more rural destinations.

The survey also found that 18 percent of holiday travelers will be resorting to side jobs in order to afford both holiday gifts and travel.

Eight percent aren't buying gifts at all.

One way to avoid breaking the bank this holiday season is to avoid the top holiday travel destinations. According to survey responses the top five travel destinations are:

1. New York City, New York

2. Orlando, Florida

3. Los Angeles, California

4. Las Vegas, Nevada

5. Miami, Florida

According to Ben Luthi, the head conductor of the survey, travelers should avoid using credit cards over the holiday season.

If credit has to be used, it should be paid off immediately in full to avoid interest.

The survey was conducted through a Survey Monkey survey completed on October 18, 2017 using responses from 1,008 millennials and Generation Xers.