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What are the roads not taken because students must take out loans for colleg

游客2024-02-01  32
问题     What are the roads not taken because students must take out loans for college? For one thing, it appears that people with student loans are less likely to start businesses of their own. A new study has found that areas with higher relative growth in student debt show lower growth in the formation of small businesses.
    The correlation makes sense. People normally have only a certain amount of "debt capacity". When students use up their "debt capacity" on student loans, they can’t commit it elsewhere. Given the importance of an entrepreneur’s personal debt capacity in financing a start-up business, student loan debt, which cannot be discharged via bankruptcy, can have lasting effects later in life and may impact the ability of future small-business owners to raise capital. Considering that 60 percent of jobs are created by small business, "if you shut down the ability to create new businesses, you’re going to harm the economy," said Brent Ambrose, a professor of risk management at Pennsylvania State University.
    Student loan debt also appears to be affecting homeownership trends. According to research by the Federal Reserve Bank of New York, fewer 30-year-olds in general have bought homes since the recession, but the decline has been steeper for people with a history of student loan debt and has continued even as the housing market has recovered.
    Student loan debt may also affect career choices. Having a college loan appears to reduce the likelihood that people will choose a low-paying public-interest job, according to a 2011 study by Jesse Rothstein of the University of California, Berkeley, and Cecilia Elena Rouse of Princeton. They arrived at their conclusion by studying a well-off university that began meeting students’ financial needs through a combination of work-study money and grants, and dispensing with loans altogether. Before the new policy started in the early 2000s, students were more likely to choose well-paid professions like investment banking and consulting. After the policy took effect, more students chose jobs in areas like teaching and the nonprofit sector.
    In many cases, the choices that student borrowers make are just common sense, based on the financial realities they face. If society wants to change the skewing effect of student loans, some tough decisions about allocating educational resources may well lie ahead. [br] We can infer from Rothstein and Elena’ s research that______.
选项 A、with lots of student loans, people will repress their desires of homeownership
B、without student loans, college graduates prefer to choose high-reward jobs
C、without the burden of paying back loans, people will get more freedom of job choice
D、although many colleges have financial capacity to support students, they refuse to do so
答案 C
解析 推断题。根据题干可定位到文章的第四段，文中提到当学生们背负着贷款的负担时，他们倾向于选择那些与金融或者咨询等有关的薪水高的工作，但是当他们受惠于学校的免贷款制度时，则会有相当一部分人选择非盈利性工作。由此可以推断，选项C表述的是研究的结果，故选项C正确。
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