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  • This video was made possible by Hover Student debt has crossed 1.5 trillion dollars

    本視頻由哈弗提供 學生債務已突破1.5萬億元

  • this year, making it the second highest debt just behind Mortgage debt.

    今年,使其成為僅次於房貸債務的第二大債務。

  • It has even passed credit cards and auto debts.

    它甚至已經通過信用卡和汽車債務。

  • And it seems like this number is only going to rise because tuition fees are growing every

    而且這個數字似乎只會上升,因為學費每年都在增長。

  • single year.

    單年。

  • So the main question is, why?

    那麼主要問題是,為什麼?

  • (why colleges are expensive)

    (為什麼大學很貴)

  • When students decide what college to get into, they first look into the rankings.

    學生在決定考什麼大學時,首先會看排名。

  • So colleges do their best to rank themselves higher.

    所以高校儘自己最大的努力,讓自己的排名更靠前。

  • That's why they try to get the best professors, build the most attractive buildings and get

    所以他們才會努力找最好的教授,建造最吸引人的建築,並得到

  • the nicest facilities.

    最好的設施。

  • And all that costs money, in fact, a lot of money.

    而這一切都需要錢,事實上,需要很多錢。

  • For example, the salary of a professor ranges from 130 thousand dollars to several hundred

    例如,一個教授的工資從13萬元到幾十萬元不等。

  • thousand dollars.

    千美元。

  • So hiring even 10 professors will cost the college several millions.

    所以,即使聘請10名教授,也要花費學院幾百萬。

  • Building attractive campuses, getting nice facilities is just one side of the story.

    建設有吸引力的校園,搞好設施只是一方面。

  • Because maintaining such a gigantic campus with huge stadiums isn't cheap at all.

    因為維持這樣一個巨大的校園,巨大的體育場館,一點也不便宜。

  • But without them, colleges understand that they won't get many students.

    但如果沒有他們,高校明白,他們不會得到很多學生。

  • But it does not end there.

    但它並沒有結束。

  • Most colleges have a big marketing budget to convince the 18-year-olds.

    大多數高校都有大筆的營銷預算來說服18歲的年輕人。

  • Who think they know everything but really understand nothing.

    自以為什麼都懂,其實什麼都不懂。

  • Why they should borrow a ton of money to get into their college.

    為什麼他們要借一大筆錢才能考上大學。

  • Why their nice buildings and big stadiums worth every dime they are going to pay.

    為什麼他們漂亮的建築和大球場值得他們付出每一分錢。

  • In other words, colleges are run exactly like businesses.

    換句話說,高校的經營方式和企業完全一樣。

  • But what sets them apart is that they aren't ordinary businesses.

    但他們與眾不同的是,他們不是普通的企業。

  • First of all, colleges or universities aren't obligated to pay any taxes.

    首先,高校沒有義務繳納任何稅收。

  • Even if they earn more than some of the biggest companies in the country.

    即使他們的收入比國內一些最大的公司還要高。

  • But that's not a big deal.

    但這不是什麼大事。

  • Because the real problem is that, the government is making it easy for every high school graduate

    因為真正的問題是,政府讓每一個高中畢業生都能輕鬆上手

  • to get a student loan.

    以獲得助學貸款。

  • And most of these students borrow huge debts without understanding how these debts work.

    而這些學生大多借了鉅額債務,卻不瞭解這些債務是如何運作的。

  • And what separates student debt from other types of debts is that there is no way around

    而學生債務與其他類型債務的區別在於,沒有辦法解決

  • it.

    它。

  • Even if you declare bankruptcy, you still have to pay it.

    即使你宣佈破產,你也要支付。

  • And that's what creates the problem.

    這就是造成問題的原因。

  • So when colleges know that these kids who just graduated from school can borrow huge

    所以當大學知道這些剛畢業的孩子可以借到巨大的

  • loans to study.

    貸款學習;

  • And their debt is going to be paid for sure sooner or later.

    而他們的債務遲早是肯定要還的。

  • They will build even fancier campuses, bigger stadiums, more facilities and will spend even

    他們會建造更豪華的校園,更大的體育場館,更多的設施,並會花費更多的錢。

  • more money on marketing to attract these students.

    更多的資金用於營銷,以吸引這些學生。

  • Which will keep driving the cost higher.

    這將使成本不斷上升。

  • In the 1980s, per year tuition fees used to cost 3400 dollars or 10200 adjusted to inflation.

    上世紀80年代,每年的學費曾經是3400美元,按通貨膨脹調整後是10200美元。

  • But the exact same year today costs over 34 thousand dollars.

    但如今完全相同的年份卻要3.4萬多元。

  • Schools are getting more expensive not because they are improving the quality of education.

    學校越來越貴,並不是因為他們提高了教育品質。

  • But rather they are spending more and more money on things that don't really matter to

    但他們卻把越來越多的錢花在了對他們來說並不重要的事情上

  • persuade the 18-year-olds to take large loans that will hunt them for the rest of their

    勸說18歲的孩子們接受大額貸款,這將使他們的餘生受到追捧。

  • life.

    生命。

  • The problem with student loans is that.

    學生貸款的問題在於。

  • Banks usually recommend you to make the minimum payment once you graduate and start paying

    銀行一般會建議你畢業後開始支付最低還款額度

  • back your debt.

    回你的債務。

  • But that minimum is too small to make any difference because it doesn't even cover

    但這個最小值太小了,不能起到任何作用,因為它甚至不包括以下內容

  • the interest.

    的利息。

  • And in a matter of few years, you will find yourself paying hundreds of dollars every

    而在短短的幾年內,你會發現自己每天都要支付數百元的費用

  • single month.

    單月。

  • But your debt is still growing.

    但你的債務還在增加。

  • And now there are 44 million young people all across the United States with an average

    而現在全美有4400萬年輕人,他們平均

  • debt of 37 thousand dollars.

    3.7萬元的債務。

  • The educational system suppose to be the mechanism that lifts people out of poverty.

    教育制度應該是使人們擺脫貧困的機制。

  • But it seems like in the last few decades, it has been serving a different purpose, dragging

    但在過去的幾十年裡,它似乎一直在發揮著不同的作用,拖著

  • people into the loans that they cannot afford.

    人們進入他們無力承擔的貸款。

This video was made possible by Hover Student debt has crossed 1.5 trillion dollars

本視頻由哈弗提供 學生債務已突破1.5萬億元

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