答案：
Part Ⅰ Writing
写作点拨
①审题及布局。这是一篇比较典型的提纲式作文。从文章的提示要求上看，首先应该对题目作总的陈述，然后说明自己对这一现象的看法。在布局上，根据题目中给出的提纲来展开即可。第一段介绍高校的许多大学生通过助学贷款完成自己的学业；第二段介绍由于各种原因，有些学生毕业后没有能力或拒绝按时还贷；第三段陈述自己对这一现象的看法。②语言。力求准确和多样性，注意说理时逻辑严密。
范文点评
On Paying back Student Loans
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.
① 开门见山，指出许多大学生都能申请助学贷款。
② 介绍助学贷款的性质以及其发行目的。其中 cover their necessary daily expense"支付日常开支"是高分表达, "not only. . . but also. . . "结构使句式多样化。
③ 用"however"这个转折词，导出一部分学生拒绝还贷这一现象。to our disappointment"令我们失望的是..."，an increasing rate of"逐渐增长的"都能为文章增色。
④ 这一部分结构为："Some students. . . but there are a number of students. . . "。指出不能还贷的两种原因。
⑤ 直接表达自己的意见：大学生应该增强诚信意识，按时还贷。
⑥ 指出如果不能及时还贷的话，应告知银行并申请延期。
⑦ 采用"only"导入的倒装强调句型，再次陈述自己的观点。
