这是一篇英国留学论文代写范文：债务对大学生的影响The Impact Of Debt On College Students，陈述了在大学生中出现的信用卡滥用和债务危机的现象，文章重点对这种情况出现的原因进行了分析与讨论。
littlefairyessay1以客户角度出发，以高质量的论文创作为基本，以热情贴心的客户服务态度为己任，本着诚信，高效，质量的原则，通过多年的不断努力进步已经在全球论文代写领域赢得很好的声誉，得到了广大客户的认可以及支持。通过论文代写，您将从中受益匪浅，对您而言每一篇论文都将为您量身定做，按照要求完成，根据每一篇论文的评分标准写作。我们不盲目以低价来吸引客户，我们只以优质的服务和认真负责的态度来赢得客户的信赖和支持。
一般而言信用卡和债务影响着每个人每一天最基本的生活。几乎任何情况下都会用到它，可以说在各种情况下它都有非常重要的用途，它们影响着每个人的生活。人们用信用卡来购买汽车或房子等大件物品，主要原因之一就是使用信用卡非常方便。便利性和利用短期负债来换取更好的现金流通通常是人们使用信用卡的原因。对大多数用户而言如果能正确使用这些好处当然是非常有用的。然而，关键和重点在于正确的使用。信用问题会发生在没有受过教育或没有经验的用户手中的信用卡上。这些用户大多都是大学生。大学生遇到的问题通常可以归为两方面。他们面临的主要问题是信用卡，但其他的，有一些与大学学费和学生贷款有关的意想不到的问题。由于这些问题的许多负面影响，一般情况下，信用卡和债务是目前影响大学生是一个重要的问题。
Credit cards and debt,in general,is something that affects everyone on an almost daily basis.It is used in almost any context and has a variety of very important uses that affects life for everyone.One uses credit to buy big-ticket items such as cars or houses but the primary reason one uses credit would be that of convenience.Convenience and the ability to have a short-term load for better cash-flow are normally the reasons why people obtain credit cards.These benefits,when used correctly,can be extremely helpful for most users.However,the key focus in that statement is correct use.The problem with credit occurs when in the hands of the uneducated or inexperienced user.Most frequently,these users are college students.College students run into issues with credit typically in two areas.The primary issue they face is with credit cards,but the other,sometimes unexpected issue is with college tuition and student loans.Because of the many negatives of these issues,Credit cards and debt,in general,are a significant problem that is currently affecting college students.
Credit Cards are a negative influence on students and are a problem for a variety of reasons.One of the most basic problems,and one of the problems that leads into the others,is the issue of the often high unsecured credit lines.Credit card companies,while they usually start out limits at a low level,often increase the limits of teen credit cards rather quickly.According to Silver-Greenberg(2007),Credit card companies have"modified their practices for college students,because they're vulnerable and their parents will usually bail them out"(p.2).The reality is that these credit lines have absolutely nothing to do with a college student's ability to pay back the loan and are in no way relational to income.By granting credit lines to college students that are so inflated,it seems like the credit card companies are almost asking for the lines to be abused by the students.The fact is,is that this can be seen very simply just by studying the student population at large.Research by Joo,Grable,and Bagwell(2005)showed that the average balance carried by a college student was around 890 dollars(p.na).A figure this high as an average for college students is way too high.Considering that there are a sizeable amount of college students that are unemployed,it seems rather ridiculous that students would be allowed to charge this amount with no conceivable way of paying back on a routine basis.What makes this whole problem of high balances even worse is the fact that the credit card companies insist upon outrageously high interest rate for college-aged new users.They do this because companies know that college students are more of a risk than regular users.They also do this because they figure that most students will carry a balance and thus,with a higher rate,they have the opportunity to make more money off college students.In addition to just having higher rates for students in general,credit card companies also engage in a practice referred to as"universal default."According to Silver-Greenberg(2007),"Under universal default,a student who has two credit cards and faithfully makes timely payments on one,but misses a payment on the other,can find that the interest rate he's being charged has been raised to 30%on both cards."(p.2)Basically,the idea is that if a user is late on one card or account,the user has been late on all of his cards that engage in this practice.This practice exacerbates all of the problems that already exist with credit cards by making it even harder to be good with one's finances.It makes it especially hard for college students,who are new to credit cards in general,because it establishes a very low tolerance for mistakes.In addition,those who least can afford these practices are the ones who have to worry about it.While this practice might be acceptable for adults with an established income and credit history,it hardly makes sense for those just starting out.These high interest rates can be a big problem because two-thirds of all college students have at least one credit card and 15 percent of students have 2 cards or more.(Lee,2002,p.10)No doubt those numbers are on the rise as well.Student loans affect the world of credit cards as well."The average graduate from the class of 2007 owes$20,000 in college loans and…for 50%of those surveyed their student loan and credit card debt was higher than their current annual salaries"(National Poll,2007,p.n/a)What this proves is that credit is a major burden for those in and out of college.It does not help that credit cards are being used to pay tuition either.Norvilitis(2002)estimates that 20 percent of students have charged tuition and expects that number to rise(p.na).If one does not qualify for a student loan and does not have cash,then a credit card might be the only way they can pay for college.With that in mind,it makes it easier to understand some credit card debt.However,in addition to the problems with the usage of credit cards,there are also some problems with the marketing of credit cards in my opinion.Specifically,I believe that the marketing of credit cards on college campuses goes over the line.I believe that getting a credit card should be a personal decision,not just a decision made because you see a booth signing people up at a student center.Giving away free shirts or mugs or food to get someone to sign up for a credit card is just wrong.Finally,Norvilitis(2002)"suggested that students who receive cards from tables in a student union have larger debt to income ratios than students whose cards are from another source."(p.n/a)I believe this furthers the reasoning that credit cards should not be advertised on campus.I also believe that credit cards obtained from an on-campus advertiser are not taken as seriously as credit cards obtained in a normal manner.