※ 引述《Minilogo ()》之銘言： : Is Student Loan Debt Forgiveness a Good Idea? : FEMALE 1: Going to college has become part of, like, a necessity for everyone, : that the government sould be able to pay their part in order for everyone : to be able to go. : FEMALE 2: The idea of taxpayers, sort of, forgiving the debt is a good idea : in principle, but in practice i'm not ready sure how they'd carry that out. : 女性 1: 現在上大學對每個人好像都是必要的，所以政府應負擔一部份讓每個人都承擔的 : 起。 : 女性 2: 納稅人的概念，有點...，減免債務原則上是個好想法，但實際上我不很確定他 : 們要如何實施。 個人讀女2的句子是: The idea of [taxpayers... forgiving the debt] is a good idea in principle... 你寫的好像女2對「納稅人」這個概念不清楚 XD 我個人會翻成 「要納稅人直接說不用還，原則上是個好想法。。。」 : PROFESSOR DANIEL LIN: Student loan debt has reached an all-time high, placing : a great strain on many young graduates. This has led some to propose debt : forgiveness as a way to help the needy. Would debt forgiveness achieve this : goal? I'd say no, for two reason. First of all it would only be a temporary : solution to help currently indebted students. It wouldn't change what got : those students into debt in the first place. It wouldn't prevent future : students from taking on even more debt. And it wouldn't reduce the pressures : causing tuitions to rise. second, forgiving the debt doesn't magically make it : go away: the government, meaing taxpayers, would be forced to pay it. : 學貸已到了前所未有的高度，並對許多年輕畢業生造成龐大的壓力。這也導致一些人題 : 議債務減免作為幫助此需求的方法。債務減免可以達到這個目標嗎? 我會說不行，有兩 : 個理由。第一，它對於目前負債中的學生只是個暫時性的解決方案。它首先不會改變使 : 學生陷入債務的真正原因。它沒辦法預防未來的學生過度舉債。促使學費上漲的壓力也 : 不會減少。第二，債務減免並不代表債務就這麼神奇的消失: 政府也就是納稅人，將被 : 迫償還這些債務。 : With our enormous national debt, that's pretty hard to justify, especially : since college graduates, on the whole, are one of the more privileged groups : in the country. After all, college graduates have higher wages and a lower : unemployment rate than the national average. Plus, they have already : benefited from government subsidies in the form of grants, tax credits, : subsidized tuition, and subsidized loans. Forgiving the debt of college : graduates would be giving money to a group that's already relatively well off. : 在現存龐大的國債下，這真的很難來評斷，特別是因為整體而言，大學畢業生是 : 國家中比較幸運的一群。畢竟他們相對於全國平均有更高的薪資水準和更低的失 : 業率。再者，他們已從政府的補貼，以獎學金、稅額減免、補貼學費、補貼貸款 : 的形式中受益。減免大學畢業生的債務會相當於拿錢給已經相對富裕的人。 : Of course, many college graduates are still struggling to find jobs and pay : back their loans. But instead of debt forgiveness there's another reform that : would give relief to those carring large amounts of student debt. Under current : law, all student loans, public and private, are non dischargeable. This means : that unlike all other types of loans, borrowers cannot get rid of their student : debt through bankruptcy. the government will get it back by taking your tax : refund, denying federal benifits, and garnishing your paycheck. This makes : lenders less careful about who receives student loans. There are no credit : checks, no underwriting, and no collateral, as there would be for virtually any : other loan-approval process. Students are offered loans even if they use the : funds for a degree with little market value. Why be choosey if a loan is : guaranteed? : 當然，許多大學畢業生還是很難找到工作並償還他們的債務。但撇開債務減免這個方法， : 還有另一種改良的方式可以救濟那些背負龐大學貸的人。在現行法律下，不管是公共或 : 私人的學貸，都是不可免除的。這表示不像所有其他類型的債務，借款者無法因為破產而 : 擺脫它。政府會收回你的退稅，拒絕提供社會補助，也會扣除你的薪水。這使得借款人更 : 不關心誰可得到借款。不檢查信用，沒有保險，也沒有抵押，實質上如同沒有任何其他的 ^^^^^^^^ underwriting 不僅是保險 (很多時候跟保險無關) 這裡我會翻成「不檢查信用，不核查條件，甚至不需抵押，其他貸款都需經歷的審查程序 這裡一概沒有」 : 貸款核准程序。就算學生只有低市值的資金他也能得到借款。如果保證能回收，那何必 ^^^^^^^^^^^^^^^^ degree with low market value 低市值的學位，講難聽點就是畢業後賺不到錢來還債 的學位 : 這麼挑剔呢? : One way to fix this is by allowing student loans to be discharged in bankrupty. : Lenders could no longer use the government as collection agency. Bad loans : would become a problem for the lenders, who would then have better incentives : to be careful with their loans. This would lead to fewer loans or loans with : higher interest rates. This may sound bad for barrowers, but it'd be important : for giving borrowers the right incentives as well. Instead of taking on debt : before thinking through the repercussions, they'd have to have a plan for : paying them back. Finally, with fewer loans being givin out, colleges would : have less fuel for tuition increases and feel greater pressure to control their : costs. : 一項解決的方法是允許學生在破產後可以免除債務。借款人不可再把政府當作 ^^^^ 這裡不是學生，是學貸。一般文章提這個有點吹毛求疵，但在其他精準要求較高的文件 這可是個嚴重錯誤。今天法條如果從善如流改成學貸可經由破產程序減免，被你 變成學生可經由破產程序減免貸款，那我身背學貸但不是學生 (畢業了) 怎麼辦 XD : 討債公司。呆帳可能成為借款人的問題，接著他們會對放款更加的謹慎。這會 ^^^^將 : 導致更少的放款和更高的利率。這聽起來對借款者是個壞消息，但給借款人正確 : 的動機也很重要。與其考慮到後果前就先舉債，他們必須有個償還計畫。最後， : 當更少的貸款被放出時，大學也會有更低的誘因來增加學費。它們對於控制支出 ^^^^^^^^^這一句中文不太通順，但我就不獻醜了 : 也會有更大的壓力。 : Student debt forgiveness may be a tempting idea, but it would just : shift the burden onto taxpayers while doing nothing to address the : fundamental causes of tuition increases and mounting student debt. Making : student debt dischargable in bankruptcy is a good first step toward reform : that would better address the concerns of students both now and in the future. : 學貸減免可能是個誘人的主意，但它只是當對於找到學費高漲的原因沒有任何動作， : 和增加學貸時，把負擔轉移到納稅人身上而已。讓學生在破產時免除債務是改革好的 : 第一步，這可以更好的滿足和現在和未來學生有關的重要事情。 還蠻生硬的 : --------------------------------------------------------------------- : 這是影片連結: : https://www.youtube.com/watch?v=O7Q1UfWYQkQ : 有關經濟的專有名詞很多，也查不太到，像 federal benifit 我只找到是社會補助 : 相關的東西，還有 grant、tax credit、subsidized tuition、subsidized loan : 那一長串，我只有 subsidized loan 有在國家教育研究院找到，其他都是大陸或 : 我自己覺得的翻法，如果有正確的譯名的話，請麻煩告訴我；還有翻譯不順或根本 : 錯誤的也盡量糾正我，謝謝大家! 就先醬~ -- 'Cause it's a bittersweet symphony, this life Trying to make ends meet, You're a slave to money then you die -Bittersweet Symphony, The Verve --

※ 發信站: 批踢踢實業坊(ptt.cc) ◆ From: 70.166.3.190 ※ 編輯: tengharold 來自: 70.166.3.190 (04/19 02:08)