Directions：For this part，you are allowed 30 minutes to write a short essay entitled On Paying back Student Loans．You should write at least 150 words following the outline given below．
1．现今，在高校有许多大学生通过助学贷款完成自己的学业；
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。