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
考研
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
2016-12-13
81
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。
转载请注明原文地址:https://kaotiyun.com/show/rJoZ777K
0
考研英语一
相关试题推荐
AwaronsugarhasbegunintheUKthatechoesthenation’ssuccessfulcampaignagainstsalt.Theeffortis【C1】______becauseit
AwaronsugarhasbegunintheUKthatechoesthenation’ssuccessfulcampaignagainstsalt.Theeffortis【C1】______becauseit
Lawyersarelessthan1%ofAmericanadults,【C1】______theyarewell-representedingovernment.Boththepresidentandthevice-p
Lawyersarelessthan1%ofAmericanadults,【C1】______theyarewell-representedingovernment.Boththepresidentandthevice-p
Researchhasshownthat—inbothsexesandacrossnumerouscultures—attractivepeoplearejudgedtobesmarter,kinder,morehone
Neverunderestimatethelearningpowerofplay.OneofParks’findingsisthatchildren【C1】______valuablelearningopportunitie
Neverunderestimatethelearningpowerofplay.OneofParks’findingsisthatchildren【C1】______valuablelearningopportunitie
Youngpeoplealwayssufferinrecessions.Employersstop【C1】______thembecausetheyareeasiertosack.Butin【C2】______episodes
Youngpeoplealwayssufferinrecessions.Employersstop【C1】______thembecausetheyareeasiertosack.Butin【C2】______episodes
InalabinOxfordUniversity’sexperimentalpsychologydepartment,researcherRoiCohenKa-doshistestingarelativelynewbra
随机试题
价值工程的目标在于提高工程对象的价值,它追求的是()。
下列各项中,不属于设备设计和制造过程中共有的监理资料的是( )。
统计法律,是指由全国人民代表大会常务委员会制定的关于统计方面的行为规范。( )
H公司拟用新设备取代已使用3年的旧设备。旧设备原价14950元,当前估计尚可使用5年,每年付现营运成本2150元,预计最终残值1750元,目前变现价值8500元;购置新设备需花费13750元,预计可使用6年,每年付现营运成本850元,预计最终残值
公安秘书工作的主要内容包括()。
《行政许可法》规定,行政机关无论受理还是不受理行政许可申请,都应当采用什么样的方式进行告知?
试述如何客观、辨证和公正地对待各种教学流派。
简述要约的概念和应当具备的条件。
设二维随机变量(X,Y)的概率密度为求:(Ⅰ)(X,Y)的边缘概率密度fX(x),fY(y);(Ⅱ)Z=2X—Y的概率密度fZ(z)。
MarkKellyisoriginallyfromLancashireinEngland.HehasbeenlivinginJapanforsixyearsand,attheweekend,heisafake
最新回复
(
0
)