学生贷款成美国年轻一代不可承受之重

    美联储认为，即便贷款机构现在还没有对那些有大学贷款的毕业生区别看待，迟早也会这样做。有没有学生贷款，在反映借款人风险的信用评分上会有很大差别。2012年，25岁、无学生贷款者的平均信用评分比有学生贷款者高15点。而30岁、有学生贷款者如果想继续贷款，希望就更渺茫了；这个年龄的人通常都要准备购买首套住房了。他们的信用评分会比没有学生贷款者低24点。

    奥巴马政府试图减轻这些年轻人的债务负担。本月早些时候，官方调低了私营追账公司追讨逾期学生贷款的佣金。此举可能会削弱追账公司的追讨动力，但无助于改善美国年轻人的就业前景。

    职业前景得到改善前，美国年轻人的境遇改善会一直落后于经济复苏。

    If they haven't already, lenders are bound to view grads carrying student loans differently, the Fed suggests. Credit scores, which provide a snapshot of the risks of a borrower, have diverged between those with student loans vs. those without. In 2012, the average credit score for a 25-year-old without school debt was 15 points higher than that of student borrowers. The picture is bleaker for college indebted 30-year-olds normally ready to buy their first home. Their credit scores are 24 points below those without student loans.

    The Obama administration has tried to ease the burden for young borrowers. Officials earlier this month cut commissions paid to private collection companies that chase overdue student loans. This may reduce the incentive to squeeze borrowers for all they have, but it does not help the job prospects of America's young people.

    And until their career prospects improve, they'll continue to lag behind the economic recovery.