For some lenders , troubled borrowers no longer seem as troubled .

对于一些贷款人来说，麻烦缠身的借款人似乎已经不再令它们感到困扰。

( Around 5 % of borrowers default , depending upon the amount of risk lenders sign up for . )

（约有5%的借款人违约，具体取决于贷方承担的风险高低。）

Some of those borrowers might start paying again , either on their own or after a modification .

有些借款人将来可能恢复还款，可能依靠自己，也可能是修改条款后。

Borrowers could no longer get credit .

借款者不再能够获得信贷。

This bias crowded out other borrowers .

这种偏见让其他借款者无法获得贷款。