澳大利亚年轻人为高等教育贷款债务而苦苦挣扎，影响了金融稳定。 Young Australians struggle with higher education loan debts, impacting financial stability.

由于他们的 HELP（高等教育贷款计划）债务管理不善，澳大利亚年轻人面临着更高的成本，这影响了他们的财务稳定性。 Young Australians are facing higher costs due to mismanagement of their HELP (Higher Education Loan Program) debts, which is affecting their financial stability. 这个问题源于难以管理不断增加的债务和了解还款系统，导致许多年轻人的总体成本更高。 The issue stems from difficulties in managing the increasing debt and understanding the repayment system, leading to higher overall costs for many young people.