生意掉到了谷底
Rachel’s business hasn’t been doing well recently. She asks John for advice.
瑞秋最近的生意不大好。她向約翰尋求意見。
ask sb. for advice 向某人徵求意見
Rachel: My business is hitting rock bottom. I’m afraid I won’t be able to pay my loan over the following few months.
瑞秋：最近生意簡直掉到了谷底，我擔心接下來幾個月都繳不出貸款。
be able to do sth. 能夠做到某事
John: You can ask your bank for a payment deferral if you fall behind on your loan payments.
約翰：如果妳無法按時繳付貸款，可以向銀行申請繳款寬緩方案啊。
fall behind on(with) sth. 無法按時繳付～
Rachel: What can that do?
瑞秋：那能做什麼？
John: A payment deferral allows you to delay your payment and extend the term of your loan.
約翰：繳款寬緩方案能讓妳延後付款，並展延貸款期限。
extend(v.)延期、展延extension(n.)延期、展延term(n.)期限、任期terms and conditions apply 須符合條規
Rachel: For how long?
瑞秋：能展延多久？
John: Some banks offer a maximum extension of 18 months. But note that your payments aren’t forgiven or erased, you’ll still need to settle them once the extension ends.
約翰：有些銀行可展延長達18個月。但要注意的是，款項並沒有免除，展延期限一結束還是得繳款。
maximum(adj.)最大限度的minimum(adj.)最低限度的forgive(v.)免除（債務）forgive-forgave-forgiven
Rachel: I can do that as long as my business regains its financial footing.
瑞秋：只要生意好轉就沒問題。
as long as 只要⋯⋯
John: Another upside of a payment deferral is that, in general, there wouldn’t be any late charges or deferred interest. But, this may vary between banks.
約翰：繳款寬緩方案的另一個優點是，通常不會衍生違約金或緩繳利息，但各家銀行針對這點的規定並不相同。
downside(n.)缺點、不利因素vary between 各個～之間有異