For almost 20 years, Jai Mazumdar has served vegetarian curries, samosas, gulab jamun and other Indian delicacies at Spice N Curry, a cafe and grocery nestled inside(坐落于) a modest strip mall(带状购物中心) near Florida International University (FIU) in Miami. When the Covid-19 pandemic devastate(摧毁，重创)d his business, as it did with so many restaurants, Mazumdar took out a $370,000 economic injury disaster loan (EIDL) from the federal government in early 2021.
近20年来，贾伊·马宗达一直在“香料与咖喱”餐馆供应素食咖喱、萨莫萨炸饺、玫瑰奶球等印度美食。这家餐馆兼杂货店位于迈阿密佛罗里达国际大学（FIU）附近一个不起眼的带状购物中心里。新冠疫情重创了他的生意，和许多餐馆一样，马宗达在2021年初从联邦政府申请了一笔37万美元的经济伤害灾难贷款（EIDL）。
At the time, it provided a desperately needed(急需的) lifeline(救命稻草，生命线). He was confident that once business returned to normal he could begin repaying the 30-year loan, which came with a low 3.75% interest rate and a 30-month deferment period.(他确信，一旦生意恢复正常，他就能开始偿还这笔30年期贷款——该贷款年利率低至3.75%，并有30个月的宽限期。) But when his business didn’t recover, the disaster loan turned out to be a disaster of its own.
当时，这笔贷款提供了急需的救命稻草。他确信，一旦生意恢复正常，他就能开始偿还这笔30年期贷款——该贷款年利率低至3.75%，并有30个月的宽限期。但生意迟迟未能恢复，这笔灾难贷款本身反倒成了一场灾难。
The Spice N Curry cafe relied heavily on traffic from FIU. Since many students and faculty(全体教职员工) were studying and working remotely both during and after the pandemic, Mazumdar’s lunch business took a major hit. As the losses mount(增加，加剧)ed, he applied for additional EIDL funds and was extended another $87,000 loan the following year.
“香料与咖喱”餐馆严重依赖佛罗里达国际大学的客流。由于疫情期间及之后许多学生和教职员工远程学习、办公，马宗达的午餐生意遭受重创。随着亏损加剧，他申请了额外的EIDL资金，并在第二年又获得了一笔8.7万美元的贷款。