CNN News: 美国大学生贷款:下一个债务泡沫?

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.

在未来几年，美国联邦政府要为贷款学生支付1080亿美元的贷款债务。

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

为什么这件事情引起联邦的注意?因为，美国教育部表示，这些学生贷款已经远远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.

多年来,学生贷款债务,美国学生用以支付大学的费用一直飙升。为了帮助借款人避免违约，避免错过还款，奥巴马政府强烈鼓励这些学生参加政府的项目，这个项目限制了学生需要还款的数额。奥巴马政府表示，结果违约下降了。

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.

但据《华尔街日报》美国政府问责局的的一份新报告表示,教育部门严重低估了这些减少负债计划给联邦政府所带来的代价。

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.

这样的事情已经不是第一次了。克林顿总统首次引入了基于收入的偿还计划。参与者必须将他们收入的一部分用于偿还贷款。其次，贷款在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.

修改后的所得税制度,奥巴马政府扩大了基数并去除了向联邦政府直接借款的限制条件。联邦政府积极向这些借款者推动程序。借款人每月需要从自己的收入中支付最多为10%的钱款，而在10年或者20年后，结余将会被免除(取决于你就职于政府部门还是私人企业)。

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

听起来是个好消息，但是谁来支付带来的结余呢?当然是纳税人我们自己啦~