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브레이크뉴스 문홍철 기자= 취업준비생 10명 중 4명은 본인 명의로 된 대출이 있는 것을 조사됐다. 대출 규모는 약 580만원인 것으로 집계됐다.
1일 잡코리아에 따르면 취업준비생 1327명을 대상으로 ‘현재 본인 명의로 된 빚(대출)이 있는가?’ 질문한 결과, 10명 중 4명에 해당하는 36.9%가 ‘본인 명의의 대출이 있다’고 답했다. 이들이 갚아야 할 대출의 규모는 평균 583만원 가량인 것으로 집계됐다.
본인 명의로 첫 대출을 받은 시기는 대학교 1학년 33.7%, 대학교 2학년 28.2%로 저학년 시기에 첫 대출을 받은 이들이 다소 많은 것으로 조사됐다.
대학교 3학년 때 첫 대출을 받았다는 응답자는 19.8%, 4학년 때 본인 명의 첫 대출을 받은 사람은 14.1%였다. 졸업 후 첫 대출을 받았다는 응답자는 4.3%로 다소 적었다.
취업준비생들이 대출을 받은 이유는 대학 재학기간 중 필요한 학비와 생활비 마련이 장학금과 아르바이트 등으로 충당이 되지 않았기 때문인 것으로 보인다.
대출을 받은 목적에 대해 조사한 결과, ‘학비와 등록금 등을 마련하기 위해 대출을 받았다’는 의견이 응답률 69.2%로 가장 높게 나타났다. 이어 개인 생활비 및 용돈 마련을 위해(43.9%) 대출을 받았다는 의견이 많았다.
이 외에도 취업준비생들은 △가정사(개인적인 일 21.6%) △학원비 마련(7.1%) △면접 복장 마련, 자소서 컨설팅 등 취업준비(6.9%) △주식 투자(4.9%) 때문에 대출을 받았다고 답했다.
취준생들은 583만원 대출을 갚기 위해 3년의 시간이 필요할 것으로 내다봤다.
대출 상환 방법에 대해서는 취준생 64.7%가 ‘취업 후 갚겠다’고 답했다. 현재 아르바이트를 하며 갚고 있다고 답한 취준생은 25.3%, 부모님의 도움으로 갚겠다는 응답자는 8.2%였다.
아래는 위의 글을 구글번역이 번역한 영문의 <전문>이다. [Below is an English <Full text> translated by Google Translate.]
36.9% of job-seeking students, even though they couldn’t find a job, borrowed an average of 5.83 million won
-Reporter Moon Hong-cheol
It was found that 4 out of 10 job-seeking students had a loan in their own name. The loan amount was estimated to be about 580,000 won.
According to Job Korea on the 1st, as a result of asking 1,327 job seekers, 'Do you currently have any debts (loans) in your name?', 36.9%, or 4 out of 10, answered, 'I have a loan in my name'. answered. The average size of the loan they have to repay is estimated to be around 5.83 million won.
The period when they received their first loan under their own name was 33.7% in their first year of university and 28.2% in their second year of university, and it was found that there were quite a few people who took out their first loan in their lower years.
19.8% of respondents said they received their first loan when they were in their 3rd year of university, and 14.1% of those who received their first loan in their name during their 4th year of university. The number of respondents who received their first loan after graduation was rather small at 4.3%.
The reason why job-seekers took out loans seems to be that the tuition and living expenses they needed during their college years were not covered by scholarships and part-time jobs.
As a result of the survey on the purpose of getting a loan, the opinion that ‘I took a loan to pay for tuition and tuition’ was the highest with 69.2% of the responses. Next, most of the opinions were that they took out a loan for personal living expenses and pocket money (43.9%).
In addition, job-seeking students answered that they received loans because of △family affairs (21.6% for personal work) △preparation for school expenses (7.1%) △preparation for employment such as interview dress preparation and personal statement consulting (6.9%) △investment in stocks (4.9%).
It is predicted that job-hunting students will need three years to pay off their 5.83 million won loan.
As for how to repay the loan, 64.7% of job seekers said they would pay it back after getting a job. 25.3% of trainees said that they are currently working part-time and repaying them, and 8.2% of those who said they would pay it back with the help of their parents.
