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Financial hardship combined with soaring tuition has taken its toll on college students, forcing them to turn to private moneylenders. The grim reality shows that a growing number of poor collegians have no other choice but to mortgage their future without hope. It is irritating to read a report by the Financial Supervisory Service (FSS) that nearly 50,000 students owe a combined total of 80 billion won ($75.6 million) to 40 major moneylenders as of June. The number of the student borrowers surged by 57 percent from a year earlier, while the amount of loans jumped by 40 percent.
The significant increases were attributed to expensive tuition that averages on 7.6 million won per year. The sum is the second highest among OECD member states. The difficult economic conditions have also put strong pressure on parents and their children attending colleges. Borrowing money from private moneylenders raises the likelihood of students becoming credit defaulters. Moneylenders impose interest rates of up to 40 percent. Students find it impossible to get bank loans. It is also not easy for them to get government-guaranteed student loans with low interest rates due to strict credit qualifications and the cumbersome lending process.
The default rate for the loans extended by private moneylenders has climbed to 14.9 percent. More worrisome is that the rate is likely to go up further. Once students become credit defaulters, they cannot lead a normal life after graduation. They can hardly get a decent job due to their bad credit records. In short, they have no future. The debt problem has emerged as a social issue that cannot be tackled by individual borrowers or their parents alone. Student borrowers may face grave consequences unless universities and the government take radical measures.
The first thing to do is to prod universities to slash tuition by a sizeable margin in order to relieve students’ financial burden. Lawmakers and politicians of both governing and opposition parties should no longer shout an empty slogan of cutting tuition in half. They must take substantial steps to help poor students. Colleges and educational authorities must then provide more scholarships to students from low-income families. It is also urgent to reform the student-loan program so that those in a financial pinch can easily borrow on better terms. Students are the future of the country. Don’t let them fall prey to loan sharks.
【The Korea TimesEditorial⎈ 유⋅무료 동영상강의는 phoenixgosi.com!!】
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Financial hardship combined with soaring tuition has taken its toll on college students,/ forcing them to turn to private moneylenders.
치솟는 등록금과 결부된 재정적인 어려움은 대학생들에게큰 타격을 주어/ 그들로 하여금 사채업자들에게 의존할 수밖에 없게 하고 있다.
The grim reality shows/ that a growing number of poor collegians/have no other choice but to mortgage their future without hope.
① 이러 냉엄한 현실은 (② / ③) 보여준다./ ② 점점 더 많은 가난한 학생들이/ ④ 희망도 없이 그들의 미래를 저당 잡힐 수밖에 없음을
It is irritating to read a report by the Financial Supervisory Service (FSS)/ that nearly 50,000 students owe a combined total of 80 billion won ($75.6 million) to 40 major moneylenders as of June.
② 금융감독원(FSS)의 한 보고서를 읽게 되니 짜증나는 일이다./ ① 거의 50,000명의 학생들이 6월 현재로 40개의 주요 대부업체에 합산 총액 800억 원(7억 5,600억 달러)을 빚지고 있다는
The number of the student borrowers surged by 57 percent from a year earlier, while/ the amount of loans jumped by 40 percent.
학생차입(채무)자들의 수는 1년 전보다 57%만큼 급증한 한편/ 대출금의 액수는 40%뛰었다.
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