Directions: For this part you are allowed thirty minutes to write a composition on the following topic On Paying back student Loans. You should write at least 150 words according to the outline given below in Chinese.
1. 现今，在高校通过助学贷款完成学业的学生越来越多。
2. 但是有些学生毕业后没有能力或拒绝按时还贷。
3. 你认为贷款的学生应如何对待还贷问题。
