THE INADEQUATE PREFLIGHT PLANNING AND PREPARATION BY THE STUDENT PILOT, THE STUDENT PILOT'S CONTINUED FLIGHT INTO KNOWN ADVERSE WEATHER AND THE PILOT'S FAILURE TO MAINTAIN DIRECTIONAL CONTROL ON THE ROADWAY LANDING. FACTORS RELATING TO THE ACCIDENT WERE: THE WEATHER OBSCURATION, INADEQUATE STUDENT TRAINING IN CROSS COUNTRY PLANNING AND WEATHER AVOIDANCE BY THE INSTRUCTOR, THE TERRAIN (ROADWAY) SELECTED FOR FORCED LANDING, AND THE SNOWBANK BORDERING THE LANDING AREA.