美国的学生贷款丑闻与贷款监管和资助制度改革

American Student Loan Scandal and System Reform of Loan Supervision and Financing

在美国，不少学生都依靠贷款来完成学业。每年，美国大约有1，000多万学生借助各种贷款来完成学业。针对学生提供的私人贷款业务发展迅速，正成为一个庞大的产业，其每年贷款总额高达600亿美元。私人贷款机构多如牛毛。激烈的竞争，导致美国学生贷款业中的问题行为与丑闻频出。为此，美国政府采取了一系列措施来加强对学生贷款业的监管，奥巴马政府也计划对学生资助制度进行彻底的改革。本文对此进行了介绍和分析。

More than 10 million college students rely on loans to support them every year in America. Therefore private student loans have rapidly developed into a huge industry， amounting $60 billion every year. Because of the competition， however， problems and scandals frequently occur in this industry. American government has taken measures to supervise this industry， and Obama’s administration also plans to reform it.