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  3. Some people in the US have asserted that forgiving student loan debt is one way to stimulate the economy and give assistance to

Some people in the US have asserted that forgiving student loan debt is one way to stimulate the economy and give assistance to

admin2023-01-31  31
问题     Some people in the US have asserted that forgiving student loan debt is one way to stimulate the economy and give assistance to those in need. One government proposition is to eliminate $10,000 of debt for ’economically distressed’ students. Some in US Congress have gone so far as to suggest forgiving up to $50,000 in debt per student, borrower, but does forgiving student debt, necessarily correlate to helping the economically disadvantaged?
    The answer is no. This policy is just giving money away to universities and the most affluent students in attendance. Federal Reserve data reveals that the highest-income 40 percent of households owe approximately 60 percent of outstanding student debt, while the lowest 40 percent owe just under 20 percent. This could be due to a combination of factors: students from high-income households are more likely to go to expensive colleges, less likely to receive financial aid, and more likely to have high incomes post-graduation. Plus, the majority of student debt is held by graduate degree earners, who earn approximately 25 percent more than their undergraduate counterparts. Clearly, giving free reign to banks to forgive student debt is a step in the wrong direction.
    Other proposals for broader, long-term student loan plans have some fundamental problems. One idea is to cancel student debt only for undergraduate degrees and for students making less than $125,000.
    This attempts to address the fact that Congress’ previously mentioned student loan forgiveness plan largely helps out the wealthy, but is an adverse incentive for universities to keep raising tuition and for students to choose to major in low-earning degree programs. Colleges have no reason to make their programs more affordable if they believe students will just take out more debt. And, students will feel more comfortable making the irresponsible decision to go tens of thousands of dollars in debt to major in impractical or idealistic subjects if they know their loans will be forgiven.
    This is especially concerning given the pandemic (大流行病) has rendered a college education practically worthless. Students are paying tens of thousands of dollars per year to live at home and be lectured on the Internet. Do we really want to tell colleges that they can get away with providing below-average service for an outrageous cost?
    In the case of any of these student debt plans, working-class Americans who chose not to or could not afford to go to college will be subsidizing the education of the professional class. Plumbers and retail workers will be paying for the degrees of doctors and lawyers.
    The US government’s effort to help those in debt is commendable but is this really the solution that will help the poor financially recover?
What does the author imply about colleges offering online education?
选项 A、They cannot get away with the serious consequences.
B、They have suffered greatly from the current pandemic.
C、The tuition they charge is not justified by the quality of their service.
D、The tuition they charge has surged outrageously during the pandemic.
答案C
解析 根据题干中的colleges offering online education定位至第5段。题目询问关于提供在线教育的大学，作者暗示了什么。第5段首句提到疫情使大学教育几乎变得一文不值。理由在该段第2句提到：学生每年要支付数万美元，却只能居家上网课。接着，作者用反问句引起读者思考：花高价上网课，是否等于默许学校收取高得离谱的学费却只提供低于平均水平的服务?不难判断，作者并不认同大学开展网络教学，认为大学的收费与提供的服务质量完全不对等，C项正确。第5段末尾用了反问句是为了表达了作者的观点：大学收费高却提供低质服务是不好的，A项“大学无法逃避严重后果”利用文中的get away with制造干扰，serious consequences找不到原文依据，曲解了文意。由文中可知，疫情下大学开展网络教学，学生居家上课，学费没有减少，B项“大学受到目前疫情的严重影响”错误。D项“疫情期间，大学收取的学费急剧飙升”利用文中的outrageous制造干扰，文中说的是大学收取高学费却提供低质服务，两者关系不对等，而不是涨学费的问题，排除D项。
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