卡罗琳：接下来的一点就是，我们每个季度提供报告和付款。
Caroline: The next point shows that we provide quarterly reports and payments.
报告强烈建议减少对直接付款的依赖，但并没有要求不分青红皂白一律立即停止使用者付费做法。
The report strongly recommends a reduced reliance on direct payments, but it does not call for an immediate end to user fees in all settings.
他们会帮助你将那些需要支付的账单整合成一种数额更低的月度付款，并使你的信用报告再度转为良好。
They will help you consolidate your bills into a smaller monthly payment, and get your credit report in good standing once more.
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