This article explores how and when student debt is represented as a problem for young people as well as the ways in which the consequences of this indebtedness are handled. This is done through a comparative reflection about the experience of indebtedness felt by several young adults who have university student loan debt in Santiago, Chile, and Montreal, Quebec, Canada. The primary results confirm that the two contexts produce two types of distinct experiences of indebtedness. The young adults in Montreal consider indebtedness to be a problem, so much so that they have internalized the discourse on individual responsibility and financial autonomy promoted by credit agencies and Quebec society. Indebted young adults in Santiago consider their indebtedness to be a problem when they observe that Chilean society is not capable of fulfilling the promise of social mobility through the acquisition of a university degree. While for Montreal debtors, the consequences are internalized and shielded by legislation, the Santiago debtors politicize their demands for a debt solution.

中文翻译：

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从“信誉良好”到“坏账”：对智利圣地亚哥和加拿大蒙特利尔的年轻专业人员的学生债务经历的比较思考

本文探讨了如何以及何时将学生债务表示为年轻人的问题，以及如何处理这种债务的后果。这是通过对智利圣地亚哥和加拿大魁北克蒙特利尔有几名欠大学生贷款债务的年轻人的债务经验进行比较性反思而得出的。初步结果证实，这两种情况产生了两种不同的债务经历。蒙特利尔的年轻人认为债务是一个问题，以至于他们已经把信贷机构和魁北克社会所倡导的关于个人责任和金融自主权的论述内在化了。圣地亚哥的负债累累的年轻人认为，如果智利社会无法通过获得大学学位来实现社会流动的承诺，那么债务问题就成为一个问题。虽然对蒙特利尔债务人而言，其后果已被立法内部化和掩盖，但圣地亚哥债务人将其对债务解决方案的要求政治化。