However, with the approaching of repayment deadline, repayment defaults also begin to occur and severely influence the smooth implementation of the student loan.

然而，随着还款期的到来，还款拖欠现象开始出现，并严重影响到助学贷款的顺利运行。

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To lower their number of student-loan defaults, colleges are embracing a controversial tactic: Encouraging borrowers to put off payments.

WSJ: Weighing Merits of Loan Deferments Today to Keep Defaults Away