Cristian Barcenas 正准备取消约会之夜、外卖订餐和星巴克消费。他于 2013 年毕业于加州大学弗雷斯诺分校，当时学生贷款余额约为 6.5 万美元。Barcenas 后来又贷款攻读硕士学位，但因照顾患癌的父亲而中途辍学。如今他的贷款余额已达 12.7 万美元。Barcenas 在加州从事全职销售工作，在拜登时期的 SAVE 还款计划下，他每月还款 105 美元。
Cristian Barcenas is getting ready to cut out date nights, food delivery, and Starbucks. He graduated from the University of California, Fresno, in 2013 with a student-loan balance of about $65,000. Barcenas took out additional loans to pursue a master's degree, but left early to care for his father, who had cancer. His balance now stands at $127,000. Barcenas, who works full time in sales in California, was making $105 monthly payments under the Biden-era SAVE repayment plan.
特朗普总统取消了 SAVE 计划，预计从 11 月起，Barcenas 的月还款额将飙升至 815 美元。“看到预计还款额时，我整整恐慌了一周，”这位 40 岁男子说。“我绝不想违约。”Barcenas 和妻子梳理了过去三个月的所有开支。他说，发现这段时间他们在星巴克花了 300 多美元、在生鲜外卖上花了 600 美元，简直“让人瞠目结舌”。
President Donald Trump eliminated SAVE, and in November, Barcenas' payments are expected to spike to $815 per month. "When I saw how much the payment is expected to be, I freaked out for a whole week," the 40-year-old said. "I, under no circumstances, want to default." Barcenas and his wife combed through all their expenses over the past three months. He said it was "jaw-dropping" to see that they spent over $300 on Starbucks and $600 on grocery deliveries in that time.
夫俩开始更精心地亲自采购食材，Barcenas 也不再打优步叫车。他们还将约会之夜减少到每月一次，以腾出更多资金偿还学生贷款。
The couple has started grocery shopping more carefully and in person, and Barcenas has stopped using Uber for rides. They've also cut their date nights down to once a month to free up more money for student-loan payments.
从 7 月起，超过 700 万借款人收到通知，要求退出 SAVE 计划，其中许多人正为更高的还款额做准备。过去一年里，有 1000 多名借款人向《商业内幕》表示，他们担心如何将更高的账单纳入预算，正考虑打第二份工或动用退休储蓄来应对。特朗普政府称，其学生贷款政策调整旨在简化复杂的还款体系、遏制过度借贷，并迫使高校降低学费。
Beginning in July, more than 7 million borrowers received notices to transition off the SAVE plan, and many of them are gearing up for higher payments. More than 1,000 borrowers have told Business Insider over the past year that they're worried about factoring a higher bill into their budgets and are considering taking on second jobs or digging into retirement savings to make it work. The Trump administration has said that its student-loan changes are intended to simplify a complex repayment system, curb excessive borrowing, and compel colleges to lower tuition.
巴塞纳斯表示，他认为这些变化将导致借款人“更加想要守住他们拥有的东西”。他说：“人们对支出的恐惧会很大，因为他们知道自己背负着这个无法真正摆脱的债务，而这将被置于其他一切事情的优先地位。”
Barcenas said he thinks the changes will lead borrowers to "want to hold onto what they have even more." "There's going to be a lot of fear around spending because they know that they have this obligation that they can't really get out of, and that's going to be prioritized over everything else," he said.
这篇报道是《商业内幕》网站“学生债务螺旋”系列报道的一部分，该系列探讨了不断上升的学生债务如何改变数百万人的财务未来。你有什么故事要分享吗？请填写这份表格，我们将与你联系。
This story is part of Business Insider's "Student Debt Spiral" series, which explores how rising student debt is changing the financial futures of millions. Do you have a story to share? Fill out this form, and we'll be in touch.