影響信用評等
Barry and Liz are siblings. They are talking about Liz’s student loan repayment.
貝瑞與麗茲是兄妹。他們談到麗茲繳學貸的事。
repayment(n.)償還、還款
Liz: Argh! It’s literally impossible for me to pay off my student loan. I wish there was a way to get away from it.
麗茲：呃！我根本不可能繳得完學貸嘛。真希望有辦法不繳學貸。
it’s impossible for sb. to do sth.讓某人不可能做到某事pay off還清pay down部分償還get away from sth.逃避～
Barry: Well, if you default on your loan repayment, you will probably be subject to wage garnishment.
貝瑞：這個嘛，如果你拖欠貸款，可能會遭強制扣薪哦。
default on拖欠、不履行be subject to受～影響wage increase薪資調漲minimum wage基本薪資
Liz: What do you mean by that?
麗茲：這話是什麼意思？
Barry: Wage garnishment refers to a legal process that allows your creditor to deduct a portion of payment directly from your paycheck or bank account to settle the amount you owe.
貝瑞：強制扣薪指的是讓債權人能直接從你的薪資或銀行帳戶中扣除一筆款項，以償還欠款的法律程序。
creditor(n.)債權人debtor(n.)債務人lender(n.)貸款人borrower(n.)借款人deduct(v.)扣除、減去portion(n.)一份、一部分
Liz: I see. It doesn’t sound that bad, though. It seems to be a compulsory repayment plan.
麗茲：了解，但那聽起來沒那麼糟啊。似乎是個強制還款方案。
compulsory(adj.)強制性的
Barry: In a sense, it is. But overdue payments may not reflect well on you since they can affect your credit rating and give away the fact that you have a history of failing to pay your debts on time.
貝瑞：某種程度而言確實如此。但逾期未繳對你可沒好處，因為它會影響你的信用評等，並透露你曾經無法按時繳款的事實。
overdue(adj.)延誤的、逾期的reflect on給～帶來(負面的)影響或印象credit score信用評分credit report信用報告give away透露、洩露
Liz: Fine. I guess I should just fulfill my obligation as required.
麗茲：好吧。我想我該乖乖按規定履行還款義務。
fulfill an obligation履行義務
Barry: You might think I’m yacking away, but as a brother, let me remind you that garnishment is used as the last resort to collect debts, such as unpaid taxes and monetary fines. It’s better to make sure you don’t run into debt.
貝瑞：你可能會嫌我囉嗦，但身為兄長，我得提醒你債權扣押是催討未繳稅款與罰款等欠款的最後手段。確保你不會欠下債務才好啊。
resort(n.)手段、方法;(v.)訴諸monetary(adj.)金錢或貨幣相關的monetary policy貨幣政策