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College graduates are now leaving school with not only a diploma, but also w

游客2023-07-27  29
问题     College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. According to the College Board, average financial aid per full time equivalent student adjusted for inflation, has almost doubled in the last decade. Additionally, not only is the average student debt load higher, but the number of loans originated increased by nearly fourfold. Thus student lending has increased in breadth as well as depth, doubly impacting the financial situations of those students who must depend on student loans to finance their education.
    Furthermore, these figures no doubt understate the true level of indebtedness incurred by students and their families since some undoubtedly finance part of their education and living expenses through the use of consumer loans, home equity loans or credit cards. Thus, the already huge burden of student loan debt incurred by students and their families is exacerbated by financial obligations from other sources.
    This situation is the outcome of a precarious combination of easy credit, thanks to card issuers who are eager to tap into this lucrative market, financial naivet on the Part of students, and a sense on Both sides that, if worse comes to worse, mommy and daddy will step in and set things right. All combine to make credit a tempting lure to students strapped for cash. While credit still remain a vital element for the financing of many students’ education at expensive colleges, its implications must be carefully weighed and considered, lest the cash-poor student find himself with more than he bargained for.
    Most students in the United States attend colleges whose tuition do not exceed $15,000, however.  Nevertheless, rising prices, combined with stagnant income gains among low-and moderate-income families, have made it difficult if not impossible for a student from a family of such an income level, a student who has the most to gain from a college education, to attend college without significantly adding to the financial burden of his or her family. While student loans still remain a vital element for the financing of many students’ education at expensive colleges, its implications must be carefully weighed and considered, lest the cash-poor student find himself with more than he bargained for. [br] The author views student loans as ______.
选项 A、harmful but necessary
B、completely unnecessary
C、useful but insufficient
D、useful ’but problematic
答案 D
解析
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