美国大学生借了 $8,645 学生贷款 还了几年，一共还了 $7,450 现在还欠 $8,750 你没看错，还的比借的多，欠的比当初还多 如果以8%的年复利计算，资金大约需要9年才能翻倍，很多借款偿还得并不是本金，是支付利息，而且是支付利息的利息！ 这是很多人一辈子逃不出的债务陷阱 复利从来不是穷人的奇迹，是银行的奇迹 A U.S. college student borrowed $8,645 in student loans. After paying for a few years, they have repaid a total of $7,450. Yet, they still owe $8,750. You read that correctly: they paid back a substantial amount, yet they owe more than the original loan. With an annual compound interest rate of 8%, the debt roughly doubles every 9 years. Many payments don’t even touch the principal; they are merely covering interest—and often, interest on interest! This is a debt trap that many people can never escape in their lifetime. Compound interest has never been a miracle for the poor; it is a miracle for the banks.