????美聯儲認為，即便貸款機構現在還沒有對那些有大學貸款的畢業生區別看待，遲早也會這樣做。有沒有學生貸款，在反映借款人風險的信用評分上會有很大差別。2012年，25歲、無學生貸款者的平均信用評分比有學生貸款者高15點。而30歲、有學生貸款者如果想繼續貸款，希望就更渺茫了；這個年齡的人通常都要準備購買首套住房了。他們的信用評分會比沒有學生貸款者低24點。

????奧巴馬政府試圖減輕這些年輕人的債務負擔。本月早些時候，官方調低了私營追賬公司追討逾期學生貸款的傭金。此舉可能會削弱追賬公司的追討動力，但無助于改善美國年輕人的就業前景。

????職業前景得到改善前，美國年輕人的境遇改善會一直落后于經濟復蘇。

????If they haven't already, lenders are bound to view grads carrying student loans differently, the Fed suggests. Credit scores, which provide a snapshot of the risks of a borrower, have diverged between those with student loans vs. those without. In 2012, the average credit score for a 25-year-old without school debt was 15 points higher than that of student borrowers. The picture is bleaker for college indebted 30-year-olds normally ready to buy their first home. Their credit scores are 24 points below those without student loans.

????The Obama administration has tried to ease the burden for young borrowers. Officials earlier this month cut commissions paid to private collection companies that chase overdue student loans. This may reduce the incentive to squeeze borrowers for all they have, but it does not help the job prospects of America's young people.

????And until their career prospects improve, they'll continue to lag behind the economic recovery.