i am a college student from a farmer's family in a mountaineous area.a year ago,i was admitted to a famous university.before entering the university,i was told that the necessary expenses during my four years' study would cost nearly fifty thousand yuan.my parents had collected all the money there was to collect,including the money borrowed from their relatives,but it was hardly enough to meet the needs.then,good news came that i could resort to the bank for a loan.i thought it was a good idea and so i did it. my dec**ion was based on the following considerations: first,with the loan i can pay the tuition and support my life on the campus. secondly,i don't h**e to depend on my parents who are always worrying about the enormous family expenditure.