陷入債務陷阱
Malinda is borrowing money from her brother, Eddie.
瑪琳達向她的哥哥艾迪借錢。
Malinda: Eddie, would you mind lending me a couple hundred dollars? I’m little tight on cash.
瑪琳達：艾迪，你介意借我幾百元嗎？我最近手頭有點緊。
Eddie: That’s quite a lot.
艾迪：那還蠻多的欸。
Malinda: I’ve got bills to pay, and I can’t miss the payments again.
瑪琳達：我有帳單要繳，不能再拖欠了。
miss a payment拖欠款項settle a payment結清款項delay a payment延後付款
Eddie: Ah… I don’t think I have that much money. Perhaps you can get a payday loan if you need to.
艾迪：啊⋯⋯我不認為我有那麼多錢欸。有需要的話，或許你可以申請發薪日貸款。
Malinda: I’ve thought about that. But the bank charges extremely high interest rates for this type of short-term, instant credit.
瑪琳達：我是有想過。但銀行對這種快速撥款的短期信貸收取極高的利率。
extremely(adv.)極度地、極端地short-term(adj.)短期的long-term(adj.)長期的instant(adj.)立即的、方便的、速食的credit(n.)信用、信貸line of credit信用額度credit score信用評分credit rating信用評等
Eddie: The upsides of payday loans are that they are unsecured and that the bank doesn’t require a credit check. However, I don’t recommend taking out a payday loan if you can seek other safer alternatives.
艾迪：我知道發薪日貸款的優點在於它們是無抵押貸款，而且也無需查核信用。不過，若可以尋求其他更安全的替代方案，我不會建議申請發薪日貸款。
upside(n.)優點=merit=advantagedownside(n.)缺點=demerit=disadvantageunsecured(adj.)無抵押貸款的secure(v.)抵押、為～擔保alternative(n.)供替代的事物
Malinda: There are also hidden provisions that charge additional fees. That could be a debt trap for borrowers like me. In the worst-case scenario, I could end up drowning in debt.
瑪琳達：還有收取額外費用的隱藏條款呢。對我這種借貸者而言會是債務陷阱。最糟的情況是，我最終可能會身陷債務之中。
provision(n.)條款、條件debt trap債務陷阱the worst-case scenario最糟的情況end up以～告終
Eddie: You’ve got a point. Never take out a payday loan unless you are absolutely sure that you can pay it off.
艾迪：你說得有道理。除非你很肯定能還清欠款，否則千萬不要申請發薪日貸款。
unless(conj.)除非