双语版大学生拖欠学费英语范文2篇（本文由作文地带翻译，请您尊重版权，未经许可请勿转载，否则追求法律责任！）

大学生助学贷款申请问题英语作文
Nowadays，college students who need financial aid can apply for student loans provided by state-owned commercial banks.
当前，大学生如果有需要申请国家助学贷款的，可以向国有商业银

行提起申请了。
 ②The money can help them pay their tuition fees and cover their necessary daily expense. The policy not only gives chances to the students eager to continue their study but also is beneficial to commercial banks.
这些钱可以帮助他们来交学费和日常生活所需开支。这项举措不仅

仅可以让大学生顺利完成学业，并且可以给银行方面也带来好处。
 ③However，to our disappointment，there is an increasing rate of students who have failed to refund the loans in time.
然而，让我们失望的是，越来越多的大学生到最后没有按时还清银

行贷款。

④Some students are really unable to repay the money after graduation because of unemployment or some other reasons.
But there are a number of students refusing to pay it back even though they can. joozone.com
一些学生在大学毕业后因为失业或其他原因确实是无力偿还贷款。但是很大一部分学生都有能力来偿还，可是还是不还清贷款。此文由作文地带翻译，请勿转载。

 ⑤In my opinion, college students should increase their awareness of credit. Anyone in debt should try his best to repay the loans in due time.
在我看来，大学生应该提高诚信意识。每债务人都应该尽其所能来按期还清贷款。
 ⑥If they are really in great difficulty, it is proper to inform the bank as soon as possible and apply for a delayed repayment.
如果他们是在是存在很大的困难，他们可以尽快去银行确认并申请一份延期还款单。
⑦Only in this way can both college students and banks benefit from the policy.
只有这样，银行和大学生才能互惠互利。

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范文二：

国家助学贷款是针对普通高等学校中经济确实困难的全日制本、专科学生的助学贷款。自1999年实施以来，在缓解贫困大学生的就学资金压力方面起到了一定的积极作用，但目前由于国家助学贷款制度仍存在政策设计方面的缺陷，贷款的实际覆盖率还很低，而且出现了高违约率现象，严重影响到助学贷款的顺利运行。

本文首先从高校贫困生申贷困难、借款学生还息还贷率低、银行收贷困难三个方面详细阐述了我国大学生助学贷款的主要困境。然后从社会信用体系尚未建立、信用贷款法律制度尚不完备、贷款学生诚信度低、银行发展助学贷款业务不积极四个方面论述了我国大学生助学贷款存在困境的原因。最后从建立国家助学贷款风险补偿制度、加强诚信教育和建立个人信用体系、完善相关的规章制度和法律法规三个方面论述了走出高校助学贷款困境的途径。
英文版：
National Student loans are for ordinary colleges and universities in the economy this really difficult time, the student loan specialist students. Since 1999 since the implementation of poverty alleviation students in the school funding pressures played a certain positive role, but the current system of student loans because of national policy still exist in the design flaw, the actual loan coverage still very low, but there Gao Wei Yueshuai phenomenon, seriously affecting the smooth operation of student loans. This paper from the loan-to-Poor College Students Shanghai difficulties, students borrow low interest rate loan, the loan-to-bank difficult to elaborate on three aspects of China's college students student loans the major difficulties. joozone.com

 And from the social credit system has not yet been established, credit legal system is not yet complete, the integrity of low student loans, student loans to banks is not positive on four aspects of China's college students student loans plight of the reason for existence. Finally, the establishment of national student loan risk compensation system, strengthen the integrity of education and the establishment of personal credit system, improve the relevant regulations and laws and regulations on the three areas out of college student loans plight of the way.