And it found that servicers had been making mistakes for years.

文件发现服务机构多年来一直在犯错误。

Do the servicers at least have those records of qualifying payments?

服务机构是否至少有那些符合条件的付款记录吗?

Well, theoretically, it's opened the door for servicers to proceed, but somewhat cautiously, in pursuing foreclosures now.

好吧，从理论上讲，它为服务商打开了大门，可以继续进行，但现在要谨慎地进行止赎。

For example, servicers are supposed to track IDR payments so they can obviously tell borrowers when they qualify for a debt cancellation.

例如，服务机构应该跟踪收入驱动型还款计划的支付情况，这样他们就可以明确地告诉借款人他们什么时候有资格取消债务。

The servicer will then put you into an income-driven repayment plan with the lowest payment you are eligible for.

然后，服务机构会将您纳入以收入为导向的还款计划，其中包括您有资格获得的最低还款额。

And, Rachel, by its job, Foxx says the department never actually gave servicers clear, consistent guidance on how to manage IDR.

而且，瑞秋，就部门工作而言，福克斯表示，该部门实际上从未就如何管理收入驱动型还款向服务机构提供明确、一致的指导。

If you are in a tougher situation and the issue is making current bill payments, you can apply for mortgage forbearance with your loan servicer.

如果你的处境比较艰难，而问题是支付当前的费用，可以向贷款服务商申请抵押贷款延期。

The group will transfer your loans to a regular loan servicer and wipe the record of default from your credit report.

该小组会将您的贷款转移给正规的贷款服务机构，并从您的信用报告中删除违约记录。

Yeah, so this internal email was sent by the ed department to representatives of the government's big student loan servicers.

这封内部邮件是教育部发给政府大型学生贷款服务机构的代表的。

So ultimately, this email telling servicers to hold off is really the department's way of trying not to confuse borrowers any more than they already are.

所以归根结底，这封邮件告诉服务人员要推迟还款，这实际上是该部门的一种方式，试图不让借款人比现在更困惑。