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  3. For various reasons, some college students have to pay for their tuition by student loans. Do you think it’s a good way to suppo

For various reasons, some college students have to pay for their tuition by student loans. Do you think it’s a good way to suppo

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问题    For various reasons, some college students have to pay for their tuition by student loans. Do you think it’s a good way to support your college life? Read the excerpt carefully and write your response in NO LESS THAN 300 WORDS, in which you should;
   1.   summarize briefly the author’s opinion about student loans;
   2.   give your comment.
   Marks will be awarded for content relevance, content sufficiency, organization and language quality. Failure to follow the above instructions may result in a loss of marks.
   Write your article on ANSWER SHEET FOUR.
   Excerpt
   Student loans are one of the top ways that students pay for college. It has become a fact of life in the American higher education system, but most borrowers don’t understand the risks. Student loans can be a great way to fund a higher education, but they are also one of the worst types of debt for borrowers.
   If you’re planning to borrow for college (or planning to help your students borrow for college) , you need to really understand these key fundamentals of student loan debt, and run the calculation below. This will help you make sure that student loans are good debt for you,  and don’t spiral into a financial nightmare for you.
   When Student Loans Are Good Debt
   Student loans are good debt when they help you improve your financial future. Remember, education is an investment, and you want to make sure that you’re getting a solid return on your investment. If going to college helps you earn more, it is usually a good debt.
   On average, getting a college degree will see your initial earnings jump at least 25% compared to high school graduates. The gap from high school to college graduate earnings is obvious.
   But it goes beyond that: it’s not just going to college that can boost earnings, but it’s also about choosing an appropriate degree. According to a recent survey by the National Association of Colleges and Employers, engineers have the highest starting salary among college graduates, earning on average $62,062 in their first year. In contrast, humanities and social science majors have the lowest starting salary, just $37,791. That’s almost a $25,000 difference between starting salaries, and it starts to paint the picture of where student loans stop being good debt.
   If you’re going to take out student loans, the first goal should be to maximize the return on your investment. That means getting the highest salary possible for the lowest amount of student loan debt.
   How Student Loans Become Bad Debt
   Failing to keep this simple equation in mind is how student loans quickly become bad debt. Remember, a student loan is a mortgage on your future earnings. When you buy a house, the collateral for the loan is the house. When you buy a car, the collateral for the loan is the car. If you don’t repay these loans, the lender simply takes the house or the car. But when you borrow with student loans, the collateral is your future earnings. If you don’t repay your student loans, the government will take your future earnings.
   You may have seen the stories of borrowers who’ve had their tax refunds taken to pay their student loans, or even had their social security checks taken to repay their student loans. The bottom line is, if you don’t repay your student loan debt, the government will take your earnings and repay the debt for you.
   The only way to prevent this situation is to avoid taking on too many student loans from the start. If the starting salary isn’t going to be high enough, it’s simply not worth pursuing the degree to go into debt. While that may hurt when you’re 18, it will save you from decades of financial pain later in life.
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答案 My View on Student Loans Student loans make it possible for some students with difficulty in finance to further their study in college. However, opportunities are always accompanied by risks. If student loans benefit your study and help you earn more after graduation, the loans are worthwhile. On the contrary, if student loans become a heavy burden on you after you are employed because your earnings cannot make ends meet, then the loans will humble your salary and your life will be affected. Therefore, before making the decision, one has to ponder on the cost. A student loan is designed to help students pay for their university tuition, books and living expenses. Generally speaking, a student loan differs from other sorts of loans in that the interest rate is generally substantially lower and the repayment schedule may be deferred while the student is still in school. Although different people view student loans quite differently, I believe that for students with loans being the only choice, student loans are bridging them to go on with their education. In particular, education pays. Maybe it’s true that your salary after you are employed cannot compensate for your loans at college, that does not mean what you have learned via college education makes no sense because college education makes one become more knowledgeable, more courteous, and much stronger, which cannot be measured by the so-called calculated balance sheet. Just as Richard Arum, a New York University sociologist who specializes in education, has said, "The question isn’t the debt per se. It’s what the students are getting in return. " Additionally, a student with loans granted on him is probably more trustworthy and hard-working and that is good for social development. Loans are without doubt burdens on many and to pay loans back is also not easy. However, the one with loans abides by the law, keeps promises, and endures the hardships he or she is faced with. Especially, the gratitude will probably be extended to the lender who helps the student. These are all merits which seem natural but very laudable. To sum up, it is no use judging everything from the perspective of cost. A student loan, directed and enforced by law, is more than welcome under sound management.
解析    本题与学生贷款相关，从成本角度考虑助学贷款是否划算，与大学生的学习生活紧密相连。题目要求简要概括材料观点并发表自己的评论。在具体行文方面，首先应简要概括材料中的观点；之后尽量明确个人观点，利于展开分析；最后可以使用to summarize，to sum up，in summary，to conclude等进行总结，重申观点。
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