信用卡生意正在走下坡路，更多的借贷人不履行还贷责任。
The credit card business is down, and more borrowers are defaulting on loans.
使人恼怒的是，肆意挥霍的美国还能进行更为划算的借贷。
More irksome still is that profligate America is able to borrow on better terms.
但是核心问题是借贷人承担的借款总额。
But the systemic issue is the amount of debt that borrowers take on.
据外界人士回想，信贷挤压甚至威胁到了健康的借贷人。
As outsiders cut back, a credit squeeze is threatening even healthy borrowers.
但是，借款人也同样缩紧了借贷。
借贷人无法偿还贷款。
大多数发行次级贷款的大型借贷人走向破产的地步，或是离开商界。
Most big subprime lenders have gone bankrupt or left the business.
在任何情况下，借贷人都需要“计划如何还款。”Ward说。
In any case, borrowers need a "plan for paying it back," Ward says.
年轻人太害怕借贷吗？
年轻人太害怕借贷吗？
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