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题目要求：
Higher education can be funded in several ways including the following three:
1. All costs are paid by the government.
2. All costs are paid by the student.
3. All costs are paid by the student using loans from the government that must be repaid after graduation. Discuss the benefits of each option. Which is the best one?
题目讲解：
语料库：
1. the higher education = college education 高等教育
2. the students’ loans = educational loans 学生贷款
3. work one’s way through college 半工半读
4. apply for the scholarship 申请奖学金
5. potential risk of refusing to repaying the loans 拒绝还款的风险
6. impose much pressure upon a nation economically 增加了政府的经济压力
7. come from the remote rural areas
8. subsidize = sponsor = finance 资助
9. economic support 经济支持
10. finish college education 完成高等教育
11. resolve more pressing social issues 解决更加紧迫的民生问题
12. stimulate one’s study motivation under the pressure of …… 在压力下激发学习动力
13. cherish the learning opportunities 珍惜学习的机会
14. face the risk of dropping out of school 面对辍学的风险
15. embark on part-timers 做兼职工作
。
The issue that who should support students to carry on tertiary education has been constantly discussed and the range have already been restricted within three stakeholders: the government, the student or the student who borrows money from the government and return it after finishing education. In terms of the first proposal, it is crystal-clear that the families’ financial burden will, to a large extent, decrease. As a result of this, a substantial number of students from financially inferior families tend to have the access to university education, which will surely enlarge the number of people receiving higher education, therefore contributing to development of the whole nation. The student is likely to be more independent when the third approach is chosen. If students pay for their education themselves, they will probably have several years off and make a living. Not only could this help to gain social experiences, which will help to determine their major in university they are most interested in, but they will also be more of appreciating their own efforts for accumulating such a massive amount of money for education. This will probably stimulate the student to study hard and realize value of the money they earn. With regard to the third choice, the prominent upside may lie with the students’ strong motivation to learn. In comparison with their counterparts, they shoulder more financial pressure and this would help them fully concentrate on their study so as to be more competitive for a job position. In this regard, there is a higher possibility for them to have a more promising career prospect. Taking all three ways into consideration, I personally would prefer students to use the loan from government and repay it after graduation. For one thing, there would be additional financial stress for the government if only the government take the responsibility. For another, if all costs are paid by the student, s/he needs to take time off for years and there might be dangers for them never coming back to school. Millions of topstudents coming from the humble background fail to pay theincredibly high tuition fees and thus face the risk of dropping outof the university, which becomes the focus concerned by society.People’s views differ widely as to how to help needy studentsfinish their college education, to rely on the government, toresort to educational loan, or to pay by college students. Thisessay aims to investigate the pros and cons of all these theories,and then present my recommendations. Granted, thegovernment should partly subsidize poverty-stricken students. Asfor those youngsters coming from the remote rural areas, it candefinitely provide them with equal learning opportunities andstudying materials as their peers from affluent households.Nevertheless, it will exert baneful impact on a nation’s finance.More precisely, it will impose much pressure upon a nationeconomically, for the ever-rising educational requirements are matched against static ordeclining financial budget. Virtually, under nocircumstances can we ignore the immense value of students’ loans.One’s study motivation can be stimulated under the pressure ofrefunding the money borrowed from the bank, therefore, they maycherish the learning opportunities and study even harder. Yet, thebank must undertake the potential fiscal risk if student refuse toreimburse the loans. Ideally, peoplecould benefit a great deal from defraying their expenses oneducation all by themselves. To illustrate, they are more likely todevote themselves to academic study with the hope of applying forthe scholarship. Also, they tend to embark on part-timers, whichcan not only assist them accumulating a pool of working experience,but also do them special favor in terms of tackling their tuitionposer. In practice, that would compel numerous underprivilegedstudents to forgo their dreams of receiving highereducation. Personallyspeaking, to reduce the financial burden of college education,governmental subsidies and students’ loan all have indispensablerole to play. The ideal way is that governments partly providestudents coming from underprivileged families with financialsupport. The rest educational fees could be attributed to students’loans. Healthy repaying system should also be set up to ensure thatall the beneficiaries could repay the money
