Directions: For this part, you are allowed 30 minutes to write a composition on the topic: Online Loan by College Students. You should write at least 120 words but no more than 180 words.

### 题目解析 题目要求你在30分钟内写一篇关于“大学生网络贷款”的短文，字数要求在120到180字之间。这篇短文需要你对大学生网络贷款的现象进行分析，可以包括其背景、原因、影响以及可能的解决方案。 ### 写作思路 1. **引言**：简要介绍大学生网络贷款的背景，说明这一现象的普遍性和重要性。 2. **原因**：分析大学生为什么会选择网络贷款，可能的原因包括生活费用高、消费欲望强、缺乏理财知识等。 3. **影响**：讨论网络贷款对大学生的正面和负面影响，重点强调负面后果，如债务压力、心理负担等。 4. **解决方案**：提出一些建议，帮助大学生避免或合理使用网络贷款，如加强金融教育、提高风险意识等。 5. **结论**：总结全文，重申网络贷款的复杂性和需要采取的措施。 ### 参考范文 **Online Loan by College Students** In recent years, online loans have become increasingly popular among college students. This phenomenon has attracted widespread attention due to its potential risks and consequences. There are several reasons why college students turn to online loans. Firstly, the high cost of living and the desire for a better lifestyle often lead students to seek additional financial support. Secondly, many students lack basic financial knowledge and are unaware of the risks involved in borrowing money online. The impact of online loans on college students can be both positive and negative. On the positive side, these loans can help students cover unexpected expenses or fund their education. However, the negative consequences are more significant. Students may find themselves trapped in a cycle of debt, facing high interest rates and penalties. This can lead to financial stress, academic difficulties, and even mental health issues. To address this issue, several measures can be taken. Universities should provide financial education to help students understand the risks and responsibilities of borrowing money. Additionally, students should be encouraged to develop better financial habits and seek alternative sources of funding, such as scholarships or part-time jobs. In conclusion, while online loans can provide temporary financial relief, they also pose significant risks to college students. It is essential to raise awareness and provide support to help students make informed financial decisions. ### 字数统计 以上范文共计164词，符合题目要求的120到180词的范围。 ### 总结 通过这篇短文，你不仅能够展示你的写作能力，还能表现出对社会问题的思考和分析能力。希望这篇范文能为你提供一些写作上的帮助。