首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
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
admin
2017-02-24
45
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.
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。
转载请注明原文地址:https://kaotiyun.com/show/pki7777K
0
大学英语四级
相关试题推荐
Youknoweatingfruitandvegetablesisvirtuous.Butdidyouknowitcanalsomakeyoulookgood?Peoplewhoincreasedtheirint
Companiesaroundtheglobehaveworktodotoimproveworkersatisfaction,becausethreeintenemployeessaytheirworkplaceis
Companiesaroundtheglobehaveworktodotoimproveworkersatisfaction,becausethreeintenemployeessaytheirworkplaceis
Companiesaroundtheglobehaveworktodotoimproveworkersatisfaction,becausethreeintenemployeessaytheirworkplaceis
Youprobablyhavenoticedthatpeopleexpresssimilarideasindifferentways,dependingonthesituationtheyarein.Thisisv
Youprobablyhavenoticedthatpeopleexpresssimilarideasindifferentways,dependingonthesituationtheyarein.Thisisv
A、Totheoffice.B、Toschool.C、Toadepartmentstore.D、Toarestaurant.D男士问:“有时间停下来去吃午饭吗?”女士说:“好的,我饿了。这家快餐店菜式多,价格适中。”因此两人是要去快
A、Teacherandstudent.B、Doctorandpatient.C、Managerandofficeworker.D、Travelagentandcustomer.C关键是要听到女士说要“休假”,而男士要求她“填写
A、Givetheringtoapoliceman.B、Waitfortheowneroftheringintherestroom.C、Handintheringtothesecurityoffice.D、
随机试题
学校作为整个社会体系的重要组成部分,在培养国家和民族的未来人才中具有重要的作用。根据各级各类学校任务确定的对所培养的人的特殊要求叫作()。
Infootball,nothingismorevaluablethanthewonderkid.Managersspendplentyoftheirtimesearchingfortheseraregems(室石)
如果
用于治疗热毒疮疡,咽喉肿痛,药食中毒的药物是
以下哪条不是促进扩散的特征
一、背景某机电安装公司承建一个生活小区室外热力管网工程安装任务。施工范围是由市政热力管网至各居民住宅楼号室外1m,管线是不通行地沟敷设。该项目的所有施工内容完毕,并与市政热力管网和各楼号热力管网接通后,在进行竣工验收的同时,项目经理部组织整理竣工
苏联早期领导人布哈林曾说:“我们过去以为可以一举消灭市场关系.而实际情况却表明,我们恰恰要通过市场关系走向社会主义。”这一思想符合苏俄(联)实行的经济政策是()。
当事人对于买卖合同风险转移没有约定的,标的物毁损、灭失的风险的转移时间是()。
设f(x),g(x)在[a,b]上连续,在(a,b)内可导,证明:存在ξ∈(a,b),使得
HowAdvertisementIsDone?A)Whenwechooseawordwedomorethangiveinformation;wealsoexpressourfeelingsaboutwha
最新回复
(
0
)