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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

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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.
Which of the following is NOT true about "debt capacity"?
选项 A、People with student loans, generally speaking, have almost used up their "debt capacity".
B、All the people have a certain amount of "debt capacity" no matter they have loans or not.
C、For those people who took student loans, their "debt capacity" are weaker than others.
D、Entrepreneur’s "debt capacity" should be stronger since it is crucial in financing situation.
答案C
解析 由文章第一段的最后一句话“一项新研究发现，在学生贷款增长率相对较高的地区。小公司的创办率较低”以及第二段中提到的“如果学生在学生贷款上用完了自己的“借债能力”，他们就无法再去别处借债了”，可以推断A项所表达的意思是正确的，即“一般来说，那些承担着学生贷款的人都把自己的‘借债能力’消耗得差不多了”。由第二段中提到的“人们通常只有一定的‘借债能力’”可知，B项也是正确的。由第二段第四句中提到的“由于需要为初创公司融资，企业家的个人借债能力很重要……”可知，D项也是正确的。C项所表达的信息存在逻辑错误，原文表达学生贷款会耗费人的“借债能力”，但不代表本身的能力有太大差别，因此C项所述信息错误。
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