Releasing their first-quarter earnings, big banks in America revealed that they are putting billions aside to guard against an expected surge in loan defaults.

美国各大银行在发布第一季度财报时透露，他们准备拨出数十亿美元以防范预期的贷款违约激增。

Nearly 1 in 4 who went into repayment on their federal student loans defaulted within about a year.

近四分之一的联邦学生贷款偿还者在大约一年内违约。

In fact, though, most student loan defaults involve students with small debts who leave college without getting a degree.

但事实上，大多数学生贷款违约都涉及那些没有获得学位就离开大学的小额债务学生。

The ratings agency reckons that they could shoot up to 4.5% in 2024. Restructurings and bankruptcies on this scale amount to spring cleaning rather than the deep distress felt during the financial crisis, when loan defaults exceeded 10%.

该评级机构估计， 到 2024 年， 这一数字可能会飙升至 4.5%。 这种规模的重组和破产相当于春季大扫除，而不是金融危机期间贷款违约率超过 10% 的深度困境。