美国学生债务数据 csv_我如何摆脱学生债务陷阱，为什么其他美国人不那么幸运...

美国学生债务数据 csv

by Emily Christine Fay

艾米丽·克里斯汀·费伊(Emily Christine Fay)

我如何摆脱学生债务陷阱，为什么其他美国人不那么幸运 (How I escaped the student debt trap, and why other Americans aren’t so lucky)

This week, I paid off my last student loan. It’s a big deal for me, and something that I’ve been looking forward to for many years. Now I want to do something that I generally avoid doing online: talk politics. Because if there’s one lesson that my student loans purchased, it’s that college should be free and accessible to all.

这周，我还清了上一笔学生贷款。 对我来说，这是很大的事情，也是我多年来一直期待的事情。 现在，我想做一些我通常避免在网上做的事情：谈论政治。 因为如果我的学生贷款购买了一个教训，那就是该大学应该是免费的，所有人都可以使用。

I spent six years accruing many tens of thousands of dollars in debt to get my two degrees from Purdue, a public land-grant university. I graduated in 2011 and spent the next six years paying back all that money and much more in interest. I began signing the dotted line for my mountain of debt when I was 18. I was a first-generation college student without a damn clue.

我花了六年的时间积many了数万美元的债务，才能从公共土地赠予大学普渡大学获得我的两个学位。 我于2011年毕业，并在接下来的六年中偿还了所有这些钱以及更多的利息。 18岁那年，我开始为我的巨额债务签署虚线。我是第一代大学生，没有该死的线索。

But Emily, you might say, you paid it all off super fast! Only 6 years, only your entire 20s, paying for a world-class education! Sounds like everything worked out just great!

但是艾米丽(Emily)，您可能会说，您超快付清了这笔钱！ 只有 6年， 只有您的整个20多岁，才支付世界一流的教育费用！ 听起来一切都很顺利！

And here’s the thing…you’re right. In my specific case, in my life, I was able to pay off the debt with unusual speed. Why is that, do you think? Well, I got a job right out of school and I’ve worked hard to earn promotions. Sometimes I run a tutoring side hustle for extra funds. I pay my bills on time. I avoid splurging on big trips or fancy things so that I can put more money towards paying off my debt. All that good, straight-laced, responsible middle class stuff you’re supposed to do.

这就是……你是对的。 就我的具体情况而言，在我的生活中，我能够以异常的速度偿还债务。 为什么会这样呢？ 好吧，我刚从学校毕业后就找到了工作，并且我一直在努力争取升职。 有时我会忙于补习，以争取更多的资金。 我按时付款。 我避免在大旅行或花哨的事情上挥霍，这样我就可以把更多的钱用于还清债务。 您应该做的所有有益的，直率的，负责任的中产阶级工作。

But if you and I were friends on Facebook, then you’s already know my real secret for paying off student loans. I married a software engineer.

但是，如果您和我是Facebook上的朋友，那么您已经知道我还清学生贷款的真正秘诀。 我嫁给了一位软件工程师。

I married him because I love him. Some of the things I love about him contribute to financial health — a level head, long-term thinking, integrity, responsibility, intelligence, etc. But it doesn’t hurt that his intellectual gifts lend themselves to a career that he loves and that pays well. I followed my intellectual gifts as well, straight to a debt-plagued but enriching degree in English literature and an unexpectedly satisfying but unsurprisingly low-paying career in university student services. Let me be perfectly clear: my hard work is not what pays the student loan bills on time and ahead-of-schedule. My loans were paid off several years early by the mind-boggling good fortune of being in the right place at the right time to fall in love with a future software engineer. As a woman with an unrepentant penchant for liberal arts, I would have had to chase an entirely different career to pay off my debt at this pace on my own.

我嫁给他是因为我爱他。 我爱他的一些东西对财务健康有帮助-头脑冷静，长期思考，正直，责任感，智慧等。但是他的智力天赋有助于他所钟爱的职业并支付得很好。 我也遵循我的智力天赋，直接获得了负债累累但英语文学充实的学位，并获得了意料之外的令人满意但并不令人惊讶的低薪职业。 让我说得很清楚：我的辛勤工作不是按时，按计划提前支付学生贷款账单的。 我的贷款早在几年前就还清了，这得益于令人难以置信的好运，即在正确的时间在正确的位置上爱上了未来的软件工程师。 作为一个对文科艺术不情愿的女人，我将不得不追求一个完全不同的职业，以自己的速度来偿还我的债务。

Not only did I marry an engineer, I married a lucky engineer, and it turns out that I’m pretty lucky too. We have never suffered chronic physical or mental illness. I had a perfectly smooth and planned pregnancy, a perfectly healthy baby, and the insurance to cover both. Our car has never broken down unexpectedly, we have never lost our jobs due to “reorganizing,” we have never had our identities or our possessions stolen except that one time somebody used our credit card number to buy a $400 Uber ride in New York, which took all of 1 phone call to resolve. We have large, extremely supportive families who gave us financial help when we were just starting out. Not to mention that we are white, cisgender, heterosexual, able-bodied, US-born, Christian-raised folks. If even one of the things in the list above was different, it would impact our financial lives, possibly drastically.

我不仅娶了工程师，还娶了一个幸运的工程师，事实证明我也很幸运。 我们从未遭受过慢性身体或精神疾病。 我有一个完全顺利且计划好的怀孕，一个完全健康的婴儿，并且可以为这两项保险。 我们的汽车从未发生过意外故障，我们从未因“重组”而失去工作，我们从未被盗用我们的身份或财产，除非有人用我们的信用卡号在纽约购买了价值400美元的Uber游乐设施，总共花了1个电话才能解决。 我们有很多非常支持家庭的家庭，刚开始时他们就给了我们经济上的帮助。 更不用说我们是白人，双性恋，异性恋，身体健全，出生于美国，基督教徒。 如果以上列表中的任何一项都不相同，则可能会严重影响我们的财务生活。

My point here is that I am LUCKY. If the universe had tilted at a slightly different angle at any point in my life, I might still be paying off loans for another 5 or 10 or 40 years. I am deeply, deeply grateful for my good fortune, and I am painfully cognizant that I could not have pulled myself up from this debt if the universe hadn’t handed me custom-tailored hydraulic bootstraps.

我的意思是我很幸运。 如果宇宙在我生命中的任何时候都以稍微不同的角度倾斜，那么我可能还需要再偿还5年，10年或40年的贷款。 我为自己的好运深表感谢，我痛苦地意识到，如果宇宙没有将定制的液压靴带给我，我将无法摆脱债务。

Okay, fine, but this is all me talking about me, me, me. Why do I think college should be free for EVERYONE? Because college is still by far the most reliable path upwards in social mobility. Education, especially higher education (university, community college, trade school, etc) is still the best tool we have for pulling people out of poverty and into economic productivity and security. Individual mileage may vary, of course, but it doesn’t take a degree in library science to track down dozens of reliable social science research sources that back this view. (Here, let me Google one for you.)

好的，但这只是我在谈论我，我，我。 为什么我认为大学应该对所有人免费？ 因为到目前为止，大学仍然是社会流动中最可靠的途径。 教育，尤其是高等教育(大学，社区学院，贸易学校等)仍然是我们使人们摆脱贫困，进入经济生产力和安全的最佳工具。 当然，个人里程可能会有所不同，但是无需图书馆学学位就能追踪数十种可靠的社会科学研究资源来支持这一观点。 ( 在这里，让我给您一个Google 。)

Education is a crucial tool for improving individual lives and the overall socio-economic health of our country, but that tool becomes dulled when you match it with crushing debt. I know so many brilliant, hard-working people who are struggling to pay the bills, let alone buy a house, because they lose a huge portion of their paycheck to their student loans. (Do you really think it’s the avocado toast that’s keeping millennials from buying cars and homes? Please.) Many of these folks are doing utterly important social work, like teaching and counseling and caregiving — work that is traditionally feminine, work that is chronically underpaid. I know other brilliant, hard-working people who found out halfway through that college wasn’t for them, at least not in their late adolescence, and now they are struggling to hustle up a living while carrying around thousands in debt sans degree. And it’s not like you can get rid of this debt. Whether you are a student or a parent who signed a loan, whether you finished school or not, there is no bankruptcy big enough to catch those loans. There are only two ways out: pay up or die.

教育是改善我国个人生活和整体社会经济健康的重要工具，但是当您将其与沉重的债务相提并论时，该工具就会变得乏味。 我知道有很多才华横溢，工作勤奋的人，他们在努力支付账单，更不用说买房了，因为他们失去了很大一部分薪水用于学生贷款。 (您真的认为是鳄梨吐司使千禧一代无法购买汽车和房屋吗？请。)这些人中有许多人从事着极为重要的社会工作，例如教学，咨询和照料-传统上是女性化的工作，长期被低薪的工作。 我知道其他聪明，勤奋的人发现这所大学的中途并不适合他们，至少在青春期末并不适合他们，现在他们正努力维持生计，同时背负着成千上万的债务。 这并不是您可以摆脱这种债务。 无论您是签署贷款的学生还是父母，无论您是否完成学业，都没有足够大的破产来偿还这些贷款。 只有两种出路：偿还或死亡。

I fundamentally believe that students should have the chance to go to college without being saddled with life-limiting debt. I believe that schools should be able to provide educations with the rigor to produce critical thinkers, creative leaders, and engaged citizens without worrying about whether or not the students get a high enough starting salary to make the degree attractive to a new batch of 18-year-old customers. I believe that graduates from non-rich backgrounds should be able to begin their working lives at the same pace as their peers with rich parents. Because, oh yeah, rich kids don’t have to worry about this stuff.

我从根本上相信，学生应该有机会上大学，而不会背负终生的债务。 我认为，学校应该能够提供严谨的教育，以培养批判性思想家，富有创造力的领导者和敬业的公民，而不必担心学生是否获得足够高的起薪以使其对新一批18-岁的客户。 我认为，非富裕背景的毕业生应该能够以与有富裕父母的同龄人一样的速度开始工作。 因为，是的，有钱的孩子不必担心这些东西。

But Emily, you might say, even if the broke students and their parents shouldn’t have to pay for college, why does that mean that I, the noble Taxpayer, should have to shell out the funds? Well, first of all, I think public university and community college education tuition costs should be funded by taxes on the very wealthiest Americans, not the middle class. I mean, seriously, college is a staggering cost for most middle-class American families — this isn’t just an issue for the poor. Taxing the very rich to support education for the children of poor, working-class, and middle-class Americans is a one-two punch in the fight against income inequality.

但是您可能会说，艾米丽(Emily)，即使是已故学生和他们的父母不必支付大学费用，为什么这意味着我 (高尚的纳税人)也必须掏出钱呢？ 好吧，首先，我认为公立大学和社区大学的学费应该由对最富有的美国人而不是中产阶级的税收来支付。 我的意思是说，对大多数美国中产阶级家庭来说，大学的花费是惊人的-这不仅仅是穷人的问题。 对富人征税以支持穷人，工人阶级和中产阶级美国人的子女接受教育，这是与收入不平等作斗争的一站式服务。

I think making college affordable is worth our tax dollars and our civic energy. I want public schools to be truly public and free to all students from that state. We could at least be fully subsidizing the interest so that students only actually pay the cost of their education, rather than double or triple that cost over several decades. I think that’s a half-assed compromise, but saving a generation of students multiple tens of thousands of dollars each is a half-assed compromise I could start with. In any case, we have to do SOMETHING, because this is a crisis that non-rich kids with middle-class ambitions can only avoid with some rabbit’s foot, four-leaf-clover, shooting star, sparkly kind of luck.

我认为让大学负担得起值得我们的税收和公民力量。 我希望公立学校真正成为公立学校，并对来自该州的所有学生免费。 我们至少可以完全补贴这种兴趣，以便学生仅实际支付他们的教育费用，而不是几十年来的两倍或三倍。 我认为这是一个半妥协的妥协，但我可以从开始为每个学生节省数万美元成为一个半资产的妥协。 无论如何，我们都必须做些事情，因为这是一个危机，非富裕的有中产阶级野心的孩子只能用一些兔脚，四叶草，流星和闪闪发光的运气来避免。

And now that my own amazing luck has led me to this moment of freedom, I feel like I can finally speak my mind without asking for a personal hand out, which soothes my Midwestern soul. My loans are paid, and I never expect to see that money again. I don’t regret taking the loans and I don’t regret the excellent literary education they purchased. Speaking as one of “the good ones,” speaking as a loan-taker who did everything just right and ponied up every penny, I will be the first to say that the student loan industry is a blight on our country’s values of equal opportunity. Since when did we have to purchase the pursuit of happiness?

现在，由于我自己的惊人运气使我走上了自由的那一刻，我觉得我终于可以说出自己的想法，而无需亲自伸出援助之手，这可以抚慰我的中西部灵魂。 我的贷款已经还清，我再也没希望再看到那笔钱了。 我不后悔获得贷款，也不后悔他们购买了出色的文学教育。 作为“好人”之一，作为一名借贷人，他做的一切都恰到好处，花了每一分钱，我将是第一个说学生贷款行业对我国平等机会价值观的破坏。 从什么时候开始我们必须追求幸福？

翻译自: https://www.freecodecamp.org/news/the-real-life-secret-to-paying-off-student-loans-early-2728b8815f1d/

美国学生债务数据 csv