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So, around like 13% or 14% of American adults have student loans, because you have to keep in mind that there are only about 20-or-so percent of American adults who have bachelor degrees above the age of 25.
大约13%或14%的美国成年人背负学生贷款，因为你必须要牢记，25岁以上的美国成年人只有大约20%拥有学士学位。
So it's a fairly small population, but it is also a population that spends a lot of money, that contributes quite a bit to the economy, and that was one of the arguments that many proponents of this policy had been making all along, the economic benefit of lifting some of the debt burden off of this population.
这是一个相当少的人口，但这部分人口花费却很多，这对经济做出了很大的贡献，这是许多支持这一政策的人一直以来的论点之一，减轻这部分人口的债务负担会带来经济效益。
Yeah, and what does this student-loan debt look like for the average American who has it?
对于背负助学贷款的普通美国人来说，这笔债务是什么样子的呢？
So, on average, most people have roughly like 25-or-so-thousand dollars.
平均而言，大多数人大约有两万五千美元的贷款。
It's -- The borrowers you tend to hear the most, especially on Twitter, are the ones who have six figures, and that's only 8% of the portfolio.
你往往听到的借款最多的人，尤其是在推特上，是那些有着六位数的借款人，而这只占这个组合的8%。
And those tend to be folks who have professional degrees and who also have law degrees and who are doctors and such.
这些人往往是拥有专业学位的人，有法律学位的人，以及医生之类的人。
But they are kind of the outliers.
但他们不一样。
They're not representative of the majority of the portfolio.
他们不能代表这个组合中的大多数人。
It's an interesting mix.
这是一个有趣的组合。
You know, there was a lot of discussion about high-income earners and how they shouldn't be getting a lot of the benefit.
你知道，有很多关于高收入者的讨论，认为他们不应该得到太多的好处。
But the portfolio is a lot more diverse than that.
但这个组合要多样化得多。
There are people who went to college for a year, dropped out, and, as a result, still have the debt.
有些人上了一年的大学，辍学了，结果仍然背负着债务。
There are people who went to trade schools.
有些人上的是中等专业学校。
There are people who went to career colleges.
有些人上的是职业学院。
There are, like, beauty schools and such.
还有的是美容学校之类的。
There are low-income people, middle-income people.
有低收入人群，中等收入人群。
And as much of this discussion really focused in on these high-income people, a lot of the data has shown that really wealthy people are not using the federal student-loan system to pay for their children's education.
虽然很多讨论都集中在这些高收入人群身上，但很多数据显示，真正富有的人并不会使用联邦学生贷款系统来支付他们孩子的教育费用。
If they are going to do lending, they'll do home equity lines and such, but not usually the federal system.
如果他们要借贷，他们会用房屋净值额度之类的，但通常不会用联邦系统。
So when Biden said that he was really trying to address the needs of low- and middle-income people, the data seems to back him up in terms of who is borrowing for college through the federal government.
因此，当拜登说他真的在努力解决中低收入人群的需求时，数据似乎支持了他的说法，即谁在通过联邦政府为大学贷款。
Yeah, and, Danielle, I know you've brought your reporting here before about the ripple effects of carrying this kind of debt on the trajectory of people's lives and then also just the inequities and how it plays out when we were looking at different demographic groups.
是的，丹妮尔，我知道你之前在这里报道过背负这种债务对人们生活轨迹的连锁反应，还报道过不平等，谈到当我们研究不同的人口群体时，不平等是如何表现出来的。
