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.
16. Which of the following is NOT true about “debt capacity”?
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.
17. The quotation in Para. 2 implies that ________.
A. job opportunities are disappearing in high speed
B. economic development can be held back by student loans
C. small business survival is insignificant and meaningless
D. more and more commercial opportunities have been created
18. We can infer from Rothstein and Elena’s research that ________.
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
19. Be a person with student loans, one would like to ________.
A. run his / her own business
B. invest in real estate
C. dedicate to public welfare
D. become a high-paid employee
20. What’s the focus of the passage?
A. A recent research about student debt.
B. The ripple effects of student debt.
C. Rules of applying loans in colleges.
D. Career choice of contemporary youth.
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