这是唯一的途径来处理债务问题的永久和没有借贷或花更多的钱。
This is the only way to deal with your debt problems permanently and without borrowing or spending more money.
我们没有借贷的义务，某些人如果提前工作了一年，可能可以做到不用借贷。
There's no obligation to take out a loan, and some people, if they've worked for a year beforehand, and might have done very well, there might be some people who don't take out a loan at all.
日本人没有借贷购物的习惯，他们不得不更依赖自己的甚至是父母的积蓄。
A weak culture of consumer borrowing means that people have been forced to rely even more on their savings—or those of their parents.
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