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ok so how is it americas fault?

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I'm English & yeah England has money problems and I'm sure America have as well, but I was speaking to my Business Studies teacher and she said that it's basically all Americas fault because they borrowed to much money and we had to pay them back.. is this true? Because teh government adverts that are only telly say simular things and that the only way to stop the money problems is for the countries to get together and work it out some how

But is that true? How did it happen? And why did England pay them back?

Sorry it's just because I don't really understand