【原】50亿美元的助学贷款或被免, 因为贷款人丢失了文件。英语读头条（第100期）

新用户02986T3F 2020-09-17

展开全文

$5 billion in student loans may be dismissed because the lender lost the paperwork

50亿美元的助学贷款或被免, 因为贷款人丢失了文件

Billions of dollars in student loans may be wiped out for tens of thousands of borrowers in the US because a lender didn't keep track of the paperwork verifying ownership of the loans, according to The New York Times.

根据《纽约时报》报道，在美国，数以万计的借款人可能会被豁免数十亿美元的助学贷款，因为一个借贷方没有保留对这些贷款的所有权的核实文件。

The National Collegiate Student Loan Trusts, which holds 800,000 private loans and is one of the country's largest owners of private student loans, is at the center of the legal dispute, The Times reports.

《纽约时报》报道，全国大学生助学贷款信托基金，是全美最大的私人助学贷款机构之一，拥有80万私人贷款，目前陷入法律纠纷之中。

Borrowers are failing to repay more than $5 billion of the $12 billion in private student loans held by National Collegiate, sending the loans into default. The organization has brought more than 800 lawsuits against borrowers this year alone in pursuit of repayment — and National Collegiate usually wins because borrowers either choose to settle or don't show up in court, according to The Times.

借款人未能偿还“全国大学生助学贷款信托基金”所持有的120亿美元的私人助学贷款中的50亿美元，贷款拖欠。根据《纽约时报》报道说，该组织今年对借款人提起了800多起诉讼以求还款，而’全国大学生助学贷款信托基金’通常是赢家，因为借款者要么选择私了，要么就选择不在法庭出现。

When borrowers do show up to fight, the cases are not so straightforward. Disorganized or missing paperwork has made it difficult for National Collegiate to prove it does indeed own the defaulted loan it's demanding repayment on, according to The Times. To be clear, The Times reports, the organization's legal problems don't include falsifying documents.

当借款人真的出现在法庭上的时候，案子就不那么简单了。根据《纽约时报》的报告，凌乱的文书、或文件不齐，都使得’全国大学生助学贷款信托基金’很难证明它确实拥有被拖欠的贷款。这里要清楚指出的是，据纽约时报报道，该组织的法律问题并不包括伪造文件。

The student loans held by National Collegiate were made "more than a decade ago by dozens of different banks, then bundled together by a financing company and sold to investors through a process known as securitization," and they weren't guaranteed by the federal government, according to The Times.

纽约时报的消息称, 由全国大学生持有的助学贷款“十多年前由多家银行组成，然后由一家融资公司捆绑在一起，通过一个称为证券化的过程向投资者出售,”他们没有得到联邦政府的担保。

Donald Uderitz, the founder of Vantage Capital Group, a private-equity firm in Delray Beach, Florida, is one of the financiers behind National Collegiate's trusts, and even he appears to be confused by the missing paperwork. In 2015, he hired a contractor to audit the servicing company that bills National Collegiate borrowers each month and found that not one of 400 randomly sampled loans had the documents showing a chain of ownership。

位于佛罗里达州Delray Beach的一家私募股权投资公司—"Vantage Capital Group"的创始人之一，DonaldUderitz,是全国大学生信托基金背后的投资人之一，就连他也对于这些失踪的文书感到迷惑不解。在2015年，他聘请了一个合同专业人员审核每个月向’全国大学生助学贷款信托基金’的借款人发出支付账单的服务公司，他发现400随机抽样的贷款中，竟然没有一个能显示出所有权链。

"It's fraud to try to collect on loans that you don't own," Uderitz told The Times. "We want no part of that. If it's a loan we're owed fairly, we want to collect. We need answers on this.”

Uderitz告诉纽约时报:“试图收取不属于你的贷款，是诈骗行为。我们不希望做这样的事。但是，如果这是正当的、别人欠我们的贷款，我们就要收回来。我们需要得到答案。

Private student loans lack the consumer protection and manageable interest rates that come with federal student loans, now a $1.3 trillion market. Because of steep interest rates on private loans, borrowers can often end up paying hundreds — and in some cases thousands — of dollars in monthly payments.

私人学生贷款虽然缺乏消费者保护和可管控的利率，但是这部分的贷款却有将近1.3兆美元的市场。由于私人贷款的极高的利率，借款人经常需要支付每个月数百—甚至数千美元的月供。

Notably, federal student-loan borrowers have the ability to apply for loan forgiveness or a loan discharge, such as in the case of an incomplete degree from a defunct for-profit college, while private borrowers do not.

值得注意的是，联邦学生贷款的借款人有可能申请贷款减免或贷款免除，比如如果一个以盈利为目的的学院倒闭了而造成未完成的学位等。而私人借款人就不可能了。

重点单词汇总

loan: 贷款

student loan: 学生贷款

private student loan: 私人学生贷款

dismiss: 免除

borrower: 借款人

paperwork: 文件

读完今天的新闻，也可以读一读前几天的旧闻：

2017/07/19 英语读头条（第99期）一个女子休了几天心理假，她的电子邮件引发了一系列讨论。

2017/07/18 英语读头条（第98期）阿拉斯加新娘被她已故儿子的心脏受捐者惊呆。

2017/07/17 英语读头条（第97期）3吨多出口韩国的鳗鱼洒在了俄勒冈公路上。