Turns out, adults are more afraid of college debt than monsters under the bed. Who knew?

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Well, low-cal beer Natural Light did, and now the brand is asking fans to dress up in costumes inspired by real-life fears that, more specifically, plague millennials and early Gen-Zers. Among these, the beer brand suggests “Moving Back in with Parents,” “Scary Bad Credit," “Undying Laundry Basket” or “Shackled by Student Debt.”

Low-cal beer brand Natural Light wants you to dress up like real-life "scaries" this Halloween. (Natural Light)

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For those who do ditch the classic "witch" costume or the now-popular Pennywise idea in favor of these realistic “scaries,” as Natty Light calls them, they will be entered in a contest to win cash prizes, according to a press release.

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“A lot of things can keep our consumers up at night, but demonic clowns and movie monsters aren’t at the top of the list. It’s real-life nightmares, like finding a job right after graduation and apartment security deposits, that are truly frightening,” said Daniel Blake, Senior Director of U.S. Value Brands at Anheuser-Busch. “Natty has been committed to helping ease the transition from college to adult life by injecting a little fun into the serious parts of life. So this Halloween, we’re serving up relief to those real-life horrors that are transformed into clever costumes.”

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To enter the contest, participants must dress as some “adulting” fear, and then post a photo of the get-up to either Twitter or Instagram with the tag #NattyScaries and #contest. Contestants must also be following Natural Light on the respective social platforms.

Natural Light's contest is currently running through Nov. 3 at 11:59 p.m.