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  3. College students are paying more. They are taking on more debt. They are acc

College students are paying more. They are taking on more debt. They are acc

游客2023-08-21  47
问题     College students are paying more. They are taking on more debt. They are accepting worse jobs after they graduate and earning less than they did just five years ago. So how could it possibly be true that college is more important than ever? The answer is sunscreen.
    College in today’s economy is like sunscreen on a scorchingly (炙热地) hot afternoon: You have to see the people who didn’t apply it to fully appreciate how important it is. The same way a scorching sun both makes sunscreen feel ineffective and makes it more crucial than ever, recessions can both make a college degree seem ineffective and make it more important than ever.
    One of the confusing things about college is that it’s hard to keep straight its price, cost, and value. The sticker price of college—that is, the published tuition—isn’t paid by most middle-class students, who receive grants, tuition breaks, and tax benefits. The average net price of a bachelor’s degree is still 55 percent lower than the sticker price today. For many students, tax benefits eliminate the full cost of an associate’s degree. College is much cheaper than advertised.
    But the true cost of higher education isn’t just the money you pay to attend school. It’s also the earnings you give up in the workforce. These lost earnings are quite apparent to, say, MBA applicants skipping $70,000 jobs to go to business school. Recessions lower the true cost of college because they make it easier to ignore the labor market for a few years and settle in for a degree. Even as the tuition cost of college has grown recently, the opportunity cost of college has fallen in the last few years because of the sick economy. The upshot is that, shockingly, the New York Fed found that the average "total" cost of a four-year degree isn’t much higher than it was 40 years ago.
    It’s a myth that the average wage of college grads is always rising. In fact, college-grad wages have spent as much time falling as rising since the 1970s. Real college wages fell between 1970 and 1982, rose between 1982 and the mid-2000s, and now they’re falling again. But everybody else’s wages are falling even faster. The "college premium" is still near all-time highs.
    The Internet is keenly excited today over a new Brookings study claiming that the student-loan crisis isn’t actually a crisis, since there’s no evidence that debtors are devoting a higher share of their monthly income to student loan payments. A second point it makes is clear and validated (验证) by other surveys by the New York Fed: Although student debtors owing more than $50,000 make up an outsized share of media reports about student debt, they make up a small share (less than 10 percent) of overall student debtors. [br] The surveys conducted by the New York Fed prove that________.
选项 A、the news about student loan attracts much attention online
B、the crisis caused by student loan is a real crisis
C、debtors repay student loan with most of their monthly income
D、students owing over $50,000 is a small part of overall student debtors
答案 D
解析 事实细节题。定位句指出，得到纽约联邦储备银行证实的是：尽管欠款超过50 000美元的学生在关于学生贷款的媒体报道中占据着很大的比例，但他们在全部贷款学生中所占的份额很小(低于10％)。也就是说，欠款超过50 000美元的学生在全部贷款学生中所占的份额很小，故答案为D)。A)“关于学生贷款的新闻在网上引起了广泛关注”，该段第一句提到，布鲁斯金学会的一项新研究如今是网上的热门，该项研究声称，学生贷款危机实际上并非危机，此处表明，该研究在网上引起了广泛的关注，而不是学生贷款的新闻引起关注，故排除，同时排除B)“由学生贷款引起的危机是一场真正的危机”；C)“债务人用大部分的月收入来偿还学生贷款”，该段第一句指出，学生贷款危机实际上并非危机，没有证据证明债务人要支出较高比例的月收入来偿还学生贷款，原文也未提到该内容得到了纽约联邦储备银行的证实，故排除。
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