關于學生貸款的英語四級優秀作文

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　　學生貸款的英語四級優秀作文 1

　　What is in the Way of Paying Back the Loans

　　Ever since colleges started to charge the students for the education they receive, there has always been a problem for some students, especially for those from remote rural regions, to get the money for it. So the government offers them an option of borrowing money from banks. Surveys show that the number of students financing his education in this way is increasing.

　　However, some students, although not many, failed to pay back the loans as they had promised in the contract. The banks have a very hard time coping with this problem. And the government can do nothing effective to help the banks.

　　I think there is more than one reason for this. Dishonesty may be one but not the major one. As is known, we are experiencing a particular phase of economic development where the supply of human resources is much bigger than the demand for it. So many students are not able to find a well-paid job. How can they pay the loans back? To solve this problem, I think the government should make efforts to get the whole economy go smoothly, creating more job opportunities.

　　學生貸款的英語四級優秀作文 2

　　In recent years, student loans have become an increasingly common phenomenon. It provides an opportunity for many students to pursue higher education when they face financial difficulties.

　　Student loans have obvious advantages. Firstly, they enable students from less affluent families to access education that they might otherwise not be able to afford. This helps to promote educational equality and provides more people with the chance to improve their knowledge and skills. Secondly, it encourages students to be more independent and responsible. Since they will need to repay the loan in the future, they tend to study harder and make better use of their time at university.

　　However, there are also some potential problems. The burden of debt may cause stress and anxiety for students. If they fail to manage their loans properly or encounter difficulties in finding a well-paid job after graduation, they might struggle to repay the loan. Moreover, some students might take out excessive loans, leading to financial instability in the future.

　　To make student loans more beneficial, both the government and students need to take measures. The government should establish a sound loan system with reasonable interest rates and repayment terms. Students, on the other hand, should have a clear understanding of their financial situation and borrowing capacity. They should also make a reasonable study and career plan to ensure they can repay the loan after graduation.

　　In conclusion, student loans can be a useful tool for students to achieve their educational goals, but it requires careful management and a balance between borrowing and repaying to avoid potential negative impacts.

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