債務(wù)包袱,昂揚(yáng)斗志(雙語(yǔ)有聲)
作者:amber_cy
來(lái)源:滬江論壇
2011-07-29 07:00
詼諧的語(yǔ)言,生動(dòng)的內(nèi)容一分鐘快速掌握科技最新動(dòng)態(tài)
Debt Boosts Young People's Morale
債務(wù)包袱,昂揚(yáng)斗志
For most of us, owing thousands of dollars in student loans, all while juggling crushing credit card debt, probably sounds like a nightmare. But for people in their early- to mid-20s, all that debt actually seems to boost their self-esteem—possibly because they consider that debt an investment in their future. So says a study in the journal Social Science Research. [Rachel Dwyer, Laura McCloud and Randy Hodson, Youth debt, mastery, and self-esteem: Class-stratified effects of indebtedness on self-concept]
對(duì)于我們中大多數(shù)人來(lái)說(shuō),如何靈活的管理好上千美元的助學(xué)貸款可能就是一個(gè)噩夢(mèng)。但對(duì)于剛邁入20歲和20多歲的年輕人來(lái)說(shuō),所有的債務(wù)貌似激發(fā)了他們的自尊心,可能因?yàn)樗麄冋J(rèn)為對(duì)自己的未來(lái)進(jìn)行了債務(wù)投資。這項(xiàng)研究發(fā)表在《社會(huì)科學(xué)調(diào)查》期刊上。
Researchers analyzed ongoing national survey data on 3,000 young Americans. The questions covered student loans and credit card debt, as well as some designed to measure the respondents’ self-esteem and sense of control over their lives. Even after accounting for the fact that more self-confident teens might be willing to take out more loans in college, the researchers found that the more debt respondents had, the more empowered they felt. Especially young adults from low-income families, who might have been afforded opportunities beyond their means.
研究人 員對(duì)全國(guó)3千名美國(guó)年輕人進(jìn)行調(diào)查并分析數(shù)據(jù)。這份調(diào)查問(wèn)卷涵蓋助學(xué)貸款和信用卡債務(wù),還有一些問(wèn)題旨在測(cè)試受試人的自尊心和對(duì)過(guò)去生活的掌控感。研究人 員甚至發(fā)現(xiàn),更多的自信滿(mǎn)滿(mǎn)的年輕人愿意在大學(xué)負(fù)擔(dān)更多的貸款,而且貸款越多,他們更加感到斗志昂揚(yáng)。尤其是來(lái)自低收入家庭的年輕人,他們被給予的機(jī)遇可 能已經(jīng)超出他們的能力范圍。
But the honeymoon appears to end around age 28—right around the time when college grads have been working a few years and they realize their salary expectations may have been just a tad too high. Oh, and when the bills for those student loans start showing up.
但是這種“能量期”在28歲左右便會(huì)結(jié)束,剛好就是大學(xué)畢業(yè)出來(lái)工作幾年后的時(shí)期,他們開(kāi)始意識(shí)到自己的工資期望可能有點(diǎn)過(guò)高了。對(duì)了,也剛好到了該還錢(qián)的時(shí)候了。
—Christopher Intagliata
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