2018年12月英语四级作文模拟题：助学贷款

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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.目前一部分学生是通过银行贷款完成学业的
2.但是有少数学生毕业后没有按时还贷
3.你认为有哪些原因，应该如何解决此类问题
【参考范文】
​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.