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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  56
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 will happen if any of the proposed student debt plans is implemented?
选项 A、Plumbers and retail workers will have a chance of becoming professionals.
B、Working-class students will have increasing access to subsidized education.
C、Blue-collar workers will have to bear the cost of educating would-be high-earners.
D、A growing number of students will be able to earn degrees in medicine and law.
答案C
解析 根据题干中的any of the proposed student debt。plans定位至倒数第2段。题目询问如果任一提议的学生债务计划得以实施，会发生什么事情。倒数第2段第1句提到，免除学生债务计划将会导致工薪阶层补贴(subsidizing)专业阶层的教育。C项“蓝领工人将不得不承担教育未来高收入者的费用”符合文意，其中Blue-collar workers与文中working-class Americans对应，bear the cost of是原文will be subsidizing的近义替换，C项正确。由文中可知，免除学生债务的政策会导致包括水管工、零售员在内的工薪阶层为专业阶层买单，A项“水管工和零售员将有机会成为专业人士”利用倒数第2段中出现的Plumbers and retail workers制造干扰，与原文表述不符。B项“来自工薪阶层的学生会有更多机会获得资助教育”、D项“越来越多学生能够获得医学、法律学位”同样利用文中个别原词制造干扰，属于无中生有。
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