1. 大學生的心理健康問題

　　Psychological Problems among College Students

　　There is no denying the fact that psychological problems are becoming serious among college students. Reports are often heard that some collegians committed suicide or murdered their roommates. Typical examples include the case of a Chinese student named Ma Jiajue and that of a Korean student studying in the U.S.

　　A number of factors may account for these young men and women’s troubles, but the following might the critical ones. First, as young adults, most of them are at the stage of personality formation and are quite sensitive to their surroundings. Secondly, they are at a critical point of personal development and are facing pressure from various aspects: love, academy, job-seeking and so on. To make things worse, most of them are living off home and without their parents care and supervision.

　　In view of the seriousness of the problem, effective measures must be taken before things get worse. First, it is essential that the channel of communication be kept open among students, between students and their superintendents as well as between students and their parents. Besides, psychological counseling should be enhanced and rendered to problem students in time. Only with these measures taken can we expect sound growth of college students.

　　2. 大學生助學貸款申請問題：

　　①Nowadays，college students who need financial aid can apply for student loans provided by state-owned commercial banks. 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.

　　③However，to our disappointment，there is an increasing rate of students who have failed to refund the loans in time. 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.

　　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. ⑥If they are really in great difficulty, it is proper to inform the bank as soon as possible and apply for a delayed repayment. ⑦Only in this way can both college students and banks benefit from the policy.