2018年5月的六級口語本場考試話題網上貸款是屬于一個比較新的話題，對學生來說難度不小。首先要求考生要熟悉該話題，同時還要具備一定的思考能力，能對此發表自己的看法。大家可以參考以下：

Nowadays, an increasing number of college students choose to borrow money online in order to buy what they need such as mobile phones, clothes and IT equipment. Obviously, it’s not a correct way for students to cover their expense because it will cause a lot of problems. First of all, online borrowing will not reduce but actually increase their financial burden. After all, if they can’t return the money in time, they have to pay a huge amount of interest for money they borrow. Gradually, they won’t be able to afford it. Once they can’t return the money. The online loan platform will call their parents to pay the money for them, which will bring heavy financial burden for the family. Apart from that, the way of online borrowing will indulge students’ opportunistic behavior. They will consider that it’s easy to gain money and be reluctant to make money through their efforts, which do harm to their growth. What’s worse, some students have to commit suicide under the pressure, for they can’t return the money. In summary, college students shouldn’t borrow money from the online loan platform.