1. 作文題目：What Is in the Way of Paying Back the Loans

Directions: For this part, you are allowed 30 minutes to write a composition on the topic What Is in the Way of Paying Back the Loans. You should write at least 120 words and base your composition on the outline given below in Chinese:

1) 目前一部分學生是通過銀行貸款完成學業的;

2) 但是有少數學生畢業后沒有按時還貸;

3) 你認為有哪些原因，應該如何解決此類問題。

參考范文： What Is in the Way of Paying Back the Loans

Ever since colleges started to charge the students for the education they receive, there has always been a problem for some students, especially for those from remote rural regions, to get the money for it. So the government offers them an option of borrowing money from banks. Surveys show that the number of students financing his education in this way is increasing.

However, some students, although not many, failed to pay back the loans as they had promised in the contract. The banks have a very hard time coping with this problem. And the government can do nothing effective to help the banks.

I think there is more than one reason for this. Dishonesty may be one but not the major one. As is known, we are experiencing a particular phase of economic development where the supply of human resources is much bigger than the demand for it. So many students are not able to find a well-paid job. How can they pay the loans back? To solve this problem, I think the government should make efforts to get the whole economy go smoothly, creating more job opportunities.