考虑到目前账面上学生贷款的数额超过1.3万亿美元，很显然许多学生是不够理智的。
Given that there's now over $1.3 trillion in student loans on the books, it's pretty clear that many students are far from sensible.
在最近毕业的所有毕业生中，超过一半的人没有工作，或者从事不需要学位的工作。并且自1999年以来，有学生贷款债务的家庭数额增加了五倍多。
More than half of all recent graduates are unemployed or in jobs that do not require a degree, and the amount of student-loan debt carried by households has increased more than five times since 1999.
同时有一部分数额不详的贷款进入了股市。
An unknown amount of the lending has flowed into the stock market.
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