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Debt Boosts Young People's Morale
债务包袱，昂扬斗志

For most of us, owing thousands of dollars in student loans, all while juggling crushing credit card debt, probably sounds like a nightmare. But for people in their early- to mid-20s, all that debt actually seems to boost their self-esteem—possibly because they consider that debt an investment in their future. So says a study in the journal Social Science Research. [Rachel Dwyer, Laura McCloud and Randy Hodson, Youth debt, mastery, and self-esteem: Class-stratified effects of indebtedness on self-concept]
对于我们中大多数人来说，如何灵活的管理好上千美元的助学贷款可能就是一个噩梦。但对于刚迈入20岁和20多岁的年轻人来说，所有的债务貌似激发了他们的自尊心，可能因为他们认为对自己的未来进行了债务投资。这项研究发表在《社会科学调查》期刊上。

Researchers analyzed ongoing national survey data on 3,000 young Americans. The questions covered student loans and credit card debt, as well as some designed to measure the respondents’ self-esteem and sense of control over their lives. Even after accounting for the fact that more self-confident teens might be willing to take out more loans in college, the researchers found that the more debt respondents had, the more empowered they felt. Especially young adults from low-income families, who might have been afforded opportunities beyond their means.
研究人 员对全国3千名美国年轻人进行调查并分析数据。这份调查问卷涵盖助学贷款和信用卡债务，还有一些问题旨在测试受试人的自尊心和对过去生活的掌控感。研究人 员甚至发现，更多的自信满满的年轻人愿意在大学负担更多的贷款，而且贷款越多，他们更加感到斗志昂扬。尤其是来自低收入家庭的年轻人，他们被给予的机遇可 能已经超出他们的能力范围。

But the honeymoon appears to end around age 28—right around the time when college grads have been working a few years and they realize their salary expectations may have been just a tad too high. Oh, and when the bills for those student loans start showing up.
但是这种“能量期”在28岁左右便会结束，刚好就是大学毕业出来工作几年后的时期，他们开始意识到自己的工资期望可能有点过高了。对了，也刚好到了该还钱的时候了。

—Christopher Intagliata

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