(Camp Hill) -- A new study shows a large number of twenty-somethings are concerned about their financial futures. The PNC Financial Services Group survey has found only 18 percent of 20 to 29-year-olds say they're confident they'll make enough money to live comfortably when they retire in a few decades. Thomas Sposito, with PNC Central PA, says young people can work toward financial success by keeping up with student loan payments. "One of the things that we want to educate about is to be financially responsible," he says. "Make those payments, keep your credit reports strong, so you'll be in a position to manage your spending appropriately and have a good plan as you're starting out on the first couple of footsteps of your career." The report also shows 50 percent of participants say they don't meet their personal financial goals, and 40 percent rely on more than one source of income. Sposito says young adults should remember there's still plenty of time for them to build up credit and meet their own economic expectations.