国外学生贷款一次还债20年？这也太吓人了吧！来聊聊中外贷款的差异！
不知道从什么时候起，我们努力奋斗的目标不仅仅是为了生存，而是为了过上更幸福的生活，比如买房或者买车。
当代人在买房买车没有条件付全款的情况下，必然会选择贷款。
那么你知道中外贷款有哪些差异吗？我们究竟应该如何去理解这些差异呢？
今天，我们就一起跟着 January 老师和外教 Max 老师来聊聊这个话题，并学习有关的英文表达吧⬇️
一定一定要点开音频
对照笔记一起学习，效果最好。
01.
拖欠
Arrears - Money that is owed and should already have been paid.
He ran into difficulties with his mortgage, building up more than £18,000 arrears. 他的抵押贷款遇到了困难，累积了超过18，000英镑的欠款。 The government is committed to the full and timely payment of its public debt and arrears. 政府承诺及时全额支付其公共债务和欠款。
02.
债务人
Debtor - A person, country, or organisation that owes money.
Student loans force students to graduate as debtors.
助学贷款迫使学生作为债务人毕业。
The Federal Deposit Insurance Corporation was appointed receiver of the debtor's assets.
联邦存款保险公司被指定为债务人资产的接收人。
03.
破产
Bankrupt - unable to pay what you owe, and having had control of your
financial matters given, by a law court, to a person who sells your property to pay your debts.
He went bankrupt after only a year in business.
他经商仅一年就破产了。
The recession has led to many small businesses going bankrupt.
经济衰退导致许多小企业破产。
04.
保释卡，免狱牌
(A) get out of jail free card - Something or a situation that allows you to avoid an unpleasant result of your actions, for example a punishment.
I'm afraid there's no get out of jail free card when it comes to your taxes. You either pay them, or you pay the fine.
恐怕在你的税收问题上没有免狱卡。你要么付钱，要么交罚款。
Becoming bankrupt is not a get out of jail free card.
破产不是一张免费的出狱卡。
05.
讨债人
Debt collector - A person or company that collects payments from people who have failed to pay the money they owe.
After she became overdrawn, the bank closed her account and threatened her with debt collectors. 她透支后，银行关闭了她的账户，并用讨债人威胁她。 Just pay your debts. The last thing that you want is debt collectors knocking on your door. 只要还债就行。你最不想要的就是讨债人敲你的门。
To write sth off - To accept that an amount of money has been lost or that a debt will not be paid.
The World Bank is being urged to write off debts from developing countries.
世界银行被敦促注销发展中国家的债务。
My debts were written off years ago.
我的债务几年前就一笔勾销了。
07.
重新开始
A clean slate - An absence of existing restraints or commitments.
I felt like I could start again with a clean slate.
我觉得我可以重新开始。
The criminal has completed his jail sentence and has come out with a clean slate.
罪犯已服满刑期，并已改过自新。