In Britain, a student loan means students can borrow money from_____.
A、their parents and relatives
B、banks and the government
C、banks only
D、the government and charity
A、their parents and relatives
B、banks and the government
C、banks only
D、the government and charity
Investors can _51_ money simply by loaning it. The money they loan is called capital. Security (担保) is an expensive item which the borrower mortgages (抵押) to the investor to show that he intends to _52_ the debt. The way investors make money on loans is to charge interest. Interest is money that _53_ pay to investors for the use of their money. Interest is usually a certain percentage of the capital. Investors sometimes _54 ten percent or more interest per year. The interest may be calculated daily, monthly, or yearly. The interest must be _55_ before the capital can be repaid. If the interest is not _56_ the agreed rate, the interest is added _57_ the capital. Then the borrower has _58_ pay interest on the unpaid interest _59_ on the capital. A debt can grow quickly this way. If the total of the capital and accumulated interest gets too high, the investor will take _60_ of the item used as security and sell it to get his money back.
51()
A.get
B.make
C.have
D.carry
54()A.cost
B.ask
C.charge
D.change
56()A.paid
B.to be paid
C.pay
D.paying
57()A.on
B.to
C.for
D.with
60()A.the place
B.possession
C.turn
D.care
52()A.repay
B.leave
C.get
D.give
58()A.to
B.on
C.into D onto
53()A.borrowers
B.lenders
C.peoples
D.others
59()A.or
B.also
C.but also
D.as well as
55()A.by day
B.by the day
C.every day
D.daily
“I have two kids in college, and I want to say “come home,” but at the same time I want to provide them with a good education,” says Diana.
The Smith family did work out a solution: They asked and received more aid from the school, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program.They will each graduate with a $20,000 debt, but at least they will be able to finish school.
With unemployment rising, financial aid administrators expect to see more families like the Smiths.More students are applying for aid, and more families expect to need student loans.College administrators are concerned that they will not have enough aid money to go around.
At the same time, tuition (学费)continues to rise.A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%.Student borrowing has more than doubled in the last decade.
“If we go on this way for another 25 years, we won’t have an affordable system of higher education,” says Patrick M.Callan, president of the center.“The middle class families have been financing it through debt.They will send kids to college whatever it takes, even if that means a huge amount of debt.”
Financial aid administrators have been having a hard time as many companies decide that student loans are not profitable enough and have stopped making them.The good news, however, is that federal loans account for about three quarters of student borrowing, and the government says that money will flow uninterrupted.
16.According to Paragraph 1, why did the Smith family’s plan fail?()
A.The twins wasted too much money
B.The father was out of work
C.Their sayings ran out
D.The family fell apart
17.How did the Smiths manage to solve their problem?()
A.They asked their kids to come home
B.They borrowed $20,000 from the school
C.They encouraged their twin sons to do part-time jobs
D.They got help from the school and the federal government
18.Financial aid administrators believe that _____.
A.more families will face the same problem as the Smiths
B.the government will receive more letters of complaint
C.college tuition fees will double soon
D.America’s unemployment will fall
19.What can we learn about the middle class families from the text?()
A.They blamed the government for the tuition increase
B.Their income remained steady in the last decade
C.They will try their best to send kids to college
D.Their debts will be paid off within 25 years
20.According to the last paragraph, the government will _____.
A.provide most students with scholarships
B.dismiss some financial aid administrators
C.stop the companies from making student loans
D.go on providing financial support for college students
A、The State-run schools are paid for by the government.
B、The independent schools are paid for by students’ parents.
C、The independent schools are private schools.
D、The state-run schools are public schools.
A、£28,000
B、£58,000
C、£24,000
D、£46,000
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