C) They will over-borrow and live beyond their means.

C，他们会过度借贷，入不敷出。

Lending is the coal to our engine, so we want to make more loans.

借贷就好像煤炭对于引擎的作用，所以我们要放出更多的贷款。

That's in part because they're not covered by the Truth In Lending Act.

这定程度上是因为它们不受《诚信借贷法》的保护。

The product was structured essentially to avoid the application of the Truth and Lending Act.

该产品的结构基本上是为了避免适用《诚信借贷法》。

Unfortunately, they can do so only on particularly bad terms.

不幸的是，要达成这种交易就会和借贷的关系闹得很僵。

However, this move makes it too costly to borrow money and hurts economic growth.

然而，此举使借贷成本过高，并损害了经济增长。

So it's important to start early and that really reduces that reliance on debt later.

所以早做准备很重要，这后来可以少借贷。

That means debt's taking on a bigger and bigger role in financing education.

这意味着借贷教育费用中发挥着越来越重要的作用。

Tax cuts were paid for by extra borrowing.

减税是通过额外的借贷来支付的。

The central government now wants localities to borrow more directly by issuing their own bonds.

中央政府如今希望地方政府通过自己发行债券更直接地进行借贷。

If inflation starts to sag, the Fed might reduce interest rates to encourage borrowing.

如果通货膨胀开始下降，美联储可能会降低利率以鼓励借贷。

Millions of Americans take out these loans every year.

每年，有数百万美国借贷此类贷款。

The increase raises borrowing costs across the economy, sparing a slowdown in sectors like housing.

这加息高了整个经济的借贷成本，避免了房地产等行业的放缓。

Consumers are spending despite rising borrowing costs.

尽管借贷成本上升，消费者仍保持消费。

By 2006, half of all the loans called subprime were also liar's loans.

截至2006年，半数被称为次贷的借款，同时也是欺骗性借贷。

Because Sri Lanka can't just default and go away, they need to go on borrowing.

因为斯里兰卡不能就这违约然后消失，他们需要继续借贷。

And so with fewer owners, that puts borrowing costs up as well.

因此，随着持有者的减少，借贷成本也会上升。

The bank also put up its online lending service, GreenSky, for sale this year.

该银行今年还出售了其线借贷服务 GreenSky。

The deficit was created by an economic slowdown, higher borrowing costs and energy support measures.

预算赤字是由经济放缓、借贷成本上升和能源支持措施造成的。

As a result, borrowing money becomes more costly.

因此，借贷成本变得更高。