CNN News: 美國(guó)大學(xué)生貸款:下一個(gè)債務(wù)泡沫?

One hundred eight billion dollars, that`s the amount of student loan debt that the U.S. federal government is set to pay for in the coming years.

在未來(lái)幾年，美國(guó)聯(lián)邦政府要為貸款學(xué)生支付1080億美元的貸款債務(wù)。

Why is that significant? Because it`s a lot more money than the U.S. Education Department said it would be.

為什么這件事情引起聯(lián)邦的注意?因?yàn)?，美?guó)教育部表示，這些學(xué)生貸款已經(jīng)遠(yuǎn)遠(yuǎn)超出了教育部的支付能力。

For years, student loan debt, the money that U.S. students borrowed to pay for college has been soaring. To help borrowers avoid defaulting, to avoid missing their payments, the Obama administration strongly encouraged them to participate in a government program that limits what they actually have to pay back. The administration says defaults have decreased as a result.

多年來(lái),學(xué)生貸款債務(wù),美國(guó)學(xué)生用以支付大學(xué)的費(fèi)用一直飆升。為了幫助借款人避免違約，避免錯(cuò)過(guò)還款，奧巴馬政府強(qiáng)烈鼓勵(lì)這些學(xué)生參加政府的項(xiàng)目，這個(gè)項(xiàng)目限制了學(xué)生需要還款的數(shù)額。奧巴馬政府表示，結(jié)果違約下降了。

But according to "The Wall Street Journal", a new report from the Government Accountability Office says the Education Department badly underestimated what these debt-reducing plans would cost the federal government.

但據(jù)《華爾街日?qǐng)?bào)》美國(guó)政府問(wèn)責(zé)局的的一份新報(bào)告表示,教育部門(mén)嚴(yán)重低估了這些減少負(fù)債計(jì)劃給聯(lián)邦政府所帶來(lái)的代價(jià)。

This isn`t new. President Clinton first introduced income-based repayment. Eligible participants had to, one, have income that was low in relation to their debt, right? And then, second, taken out loans after 2007.

這樣的事情已經(jīng)不是第一次了?？肆诸D總統(tǒng)首次引入了基于收入的償還計(jì)劃。參與者必須將他們收入的一部分用于償還貸款。其次，貸款在2007年以后。

Well, with the revised pay-as-you-earn, the Obama administration sort of widened the net and removed those restrictions for borrowers of federal direct loans. The administration pushed the program aggressively to those borrowers. A borrower`s monthly payment is capped at 10 percent of their income and the remaining balance is forgiven after 10 years or 20 years, depending if you work in the public or private sector.

修改后的所得稅制度,奧巴馬政府?dāng)U大了基數(shù)并去除了向聯(lián)邦政府直接借款的限制條件。聯(lián)邦政府積極向這些借款者推動(dòng)程序。借款人每月需要從自己的收入中支付最多為10%的錢(qián)款，而在10年或者20年后，結(jié)余將會(huì)被免除(取決于你就職于政府部門(mén)還是私人企業(yè))。

It seems great, but who pays for this loan forgiveness? It`s taxpayers.

聽(tīng)起來(lái)是個(gè)好消息，但是誰(shuí)來(lái)支付帶來(lái)的結(jié)余呢?當(dāng)然是納稅人我們自己啦~