信用卡逾期率上升表明更多人在经济困难时期难以偿还债务。

The rise in credit card ___delinquencies shows more people are struggling to pay debts during tough economic times.

学校引入了新的辅导计划来帮助减少青少年不良行为。

The school introduced a new counseling program to help reduce student ___delinquencies.