And it found that servicers had been making mistakes for years.

文件发现服务机构多年来一直在犯错误。

Do the servicers at least have those records of qualifying payments?

服务机构是否至少有那些符合条件的付款记录吗?

For example, servicers are supposed to track IDR payments so they can obviously tell borrowers when they qualify for a debt cancellation.

例如，服务机构应该跟踪收入驱动型还款计划的支付情况，这样他们就可以明确地告诉借款人他们什么时候有资格取消债务。

And, Rachel, by its job, Foxx says the department never actually gave servicers clear, consistent guidance on how to manage IDR.

而且，瑞秋，就部门工作而言，福克斯表示，该部门实际上从未就如何管理收入驱动型还款向服务机构提供明确、一致的指导。

Well, theoretically, it's opened the door for servicers to proceed, but somewhat cautiously, in pursuing foreclosures now.

好吧，从理论上讲，它为服务商打开了大门，可以继续进行，但现在要谨慎地进行止赎。

Yeah, so this internal email was sent by the ed department to representatives of the government's big student loan servicers.

这封内部邮件是教育部发给政府大型学生贷款服务机构的代表的。

The servicer will then put you into an income-driven repayment plan with the lowest payment you are eligible for.

然后，服务机构会将您纳入以收入为导向的还款计划，其中包括您有资格获得的最低还款额。

If you are in a tougher situation and the issue is making current bill payments, you can apply for mortgage forbearance with your loan servicer.

如果你的处境比较艰难，而问题是支付当前的费用，可以向贷款服务商申请抵押贷款延期。

The group will transfer your loans to a regular loan servicer and wipe the record of default from your credit report.

该小组会将您的贷款转移给正规的贷款服务机构，并从您的信用报告中删除违约记录。

So ultimately, this email telling servicers to hold off is really the department's way of trying not to confuse borrowers any more than they already are.

所以归根结底，这封邮件告诉服务人员要推迟还款，这实际上是该部门的一种方式，试图不让借款人比现在更困惑。

So NPR obtained internal Education Department documents, including a review the department did back in 2016, right before the election, of its student loan servicers and how they were handling IDR.

NPR获得了美国教育部的内部文件，包括教育部在2016年大选前对其学生贷款服务机构的报告，以及服务机构如何处理收入驱动型还款计划的报告。

And just did you find anything different with it being a streaming servicer or how did you find approaching the dialogue piece of this compared to that other style?

你有没有发现它作为流媒体服务有什么不同，或者你觉得与其他风格相比，这种对话部分有什么不同？

But this review found that several servicers didn't even have IDR payment counters, so it was up to borrowers to call and ask and trigger the servicer to manually go back through two decades of records.

但这一报告发现，一些服务机构甚至没有收入驱动型还款的支付计数记录，因此，这取决于借款人打电话、询问、激发服务人员手动查看20年的记录。

If you're unsure if a particular offer - including relief from the Biden administration - is genuine, call your loan servicer using a number you find independently, not on any correspondence sent to you.

如果您不确定特定优惠（包括拜登政府的救济）是否真实，请使用您独立找到的号码（而不是发送给您的任何信件上的号码）致电您的贷款服务机构。

The White House's initiative was designed to address past errors made by loan servicers that failed to give payment credit where it was due - or that may have provided poor advice when borrowers called for assistance.

白宫的举措旨在解决过去贷款服务机构所犯的错误，这些错误未能在到期时提供付款信贷，或者在借款人寻求援助时可能提供了糟糕的建议。