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  3. What are the roads not taken because students must take out loans for college? For one thing, it appears that people with studen

What are the roads not taken because students must take out loans for college? For one thing, it appears that people with studen

admin2015-03-20  60
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.
Be a person with student loans, one would like to______.
选项 A、run his / her own business
B、invest in real estate
C、dedicate to public welfare
D、become a high-paid employee
答案D
解析 题干的问题是“当一个人背负着学生贷款的负担时，他会怎么做?”A项“开自己的公司”与文章第一段表达的主旨矛盾，故不选；B项“投资房产”与文章第三段表达的主旨矛盾，故不选；C项“投身公益事业”与原文第四段表达的主旨矛盾，故不选。D项信息对应文中第六段首句“这项举措于21世纪初期开始实施，在它实施以前，学生们更倾向于选择去投资银行和咨询公司等报酬丰厚的行业工作”，故D项为正确答案。
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