单选集
单选集
(D)
Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.
"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 Jacobs.
The Jacobs family did work out a solution: They asked and received more aid form the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.
With unemployment rising, financial aid administrators expect to hear more families like the Jacobs. 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 25years, 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.
A:provide most students will scholarships B:dismiss some financial aid administrators C:stop the companies from making student loans D:go on providing financial support for college students
College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. According to the College Board, average financial aid per full time equivalent student adjusted for inflation, has almost doubled in the last decade. Additionally, not only is the average student debt load higher, but also the number of loans originated increased by nearly fourfold. Thus student lending has increased in breadth as well as depth, doubly impacting the financial situations of those students who must depend on student loans to finance their education.
Furthermore, these figures no doubt understate the true level of indebtedness incurred by students and their families since some undoubtedly finance part of their education and living expenses through the use of consumer loans, home equity loans or credit cards. Thus, the already huge burden of student loan debt incurred by students and their families is exacerbated by financial obligations from other sources.
This situation is the outcome of a precarious combination of easy credit, thanks to card issuers who are eager to tap into this lucrative market, financial naiveté on the part of students, and a sense on both sides that, if worse comes to worse, mommy and daddy will step in and set things right. All combine to make credit a tempting lure to students strapped for cash. While credit still remain a virtual element for the financing of many students’ education at expensive colleges, its implications must carefully weighed and considered, lest the cash-poor student find himself with more that he bargained for.
Most students in the United States attend colleges whose tuition does not exceed $15,000, however. Nevertheless, rising prices, combined with stagnant income gains among low-and moderate-income families, have made it difficult if not impossible for a student from a family of such an income level, a student who has the most to gain from a college education, to attend college without significantly adding to the financial burden of his or her family. While student loans still remain a vital element for the financing of many students’ education at expensive colleges, its implications must be carefully weighed and considered, lest the cash-poor student find himself with more than he bargained for.
The main point of Paragraph 4 is
A:Those who need a college education most are having the most difficulty getting it. B:Student loans are improving access to education for all. C:High-income families benefit most from student loans. D:How to moderate-income families benefit most from student loans.
It was not until I joined an American university that I realized the fact that the American and Lebanese systems of college education differ in many ways. Perhaps the circumstances under which each system was established lay behind these differences; but whatever the causes were, the differences exist and they are major. As a result,, studying in America seems to be much easier than doing so in Lebanon.
The first step toward earning a college degree is being admitted to the university, whether in America or in Lebanon. The conditions for admission, however, are very different. In my case, this American university asked only for my TOEFL scores and my high school grades. In addition to these, a Lebanese university asked me to take another three tests. The first was the English Entrance Examination, which is much harder than the TOE- FL. The second was the Scientific Qualification Examination, which includes mathematics, physics, and chemistry. The results of the SQ exam decide whether a student is eligible to take the third test or not. Obviously, the difference is clear.
A:The author is a student of an American university. B:There are differences between America and Lebanon. C:American system of college education differs from Lebanese one. D:Studying is hard.
It was not until I joined an American university that I realized the fact that the American and Lebanese systems of college education differ in many ways. Perhaps the circumstances under which each system was established lay behind these differences; but whatever the causes were, the differences exist and they are major. As a result,, studying in America seems to be much easier than doing so in Lebanon.
The first step toward earning a college degree is being admitted to the university, whether in America or in Lebanon. The conditions for admission, however, are very different. In my case, this American university asked only for my TOEFL scores and my high school grades. In addition to these, a Lebanese university asked me to take another three tests. The first was the English Entrance Examination, which is much harder than the TOE- FL. The second was the Scientific Qualification Examination, which includes mathematics, physics, and chemistry. The results of the SQ exam decide whether a student is eligible to take the third test or not. Obviously, the difference is clear.
A:The author is a student of an American university. B:There are differences between America and Lebanon. C:American system of college education differs from Lebanese one. D:Studying is har
It was not until I joined an American university that I realized the fact that the American and Lebanese systems of college education differ in many ways. Perhaps the circumstances under which each system was established lay behind these differences; but whatever the causes were, the differences exist and they are major. As a result,, studying in America seems to be much easier than doing so in Lebanon.
The first step toward earning a college degree is being admitted to the university, whether in America or in Lebanon. The conditions for admission, however, are very different. In my case, this American university asked only for my TOEFL scores and my high school grades. In addition to these, a Lebanese university asked me to take another three tests. The first was the English Entrance Examination, which is much harder than the TOE- FL. The second was the Scientific Qualification Examination, which includes mathematics, physics, and chemistry. The results of the SQ exam decide whether a student is eligible to take the third test or not. Obviously, the difference is clear.
What’s the main idea of paragraph one
A:The author is a student of an American university. B:There are differences between America and Lebanon. C:American system of college education differs from Lebanese one. D:Studying is har
A college or university’s international student office is a good place (31) getting to know the school and the country. Let’s (32) support services for international students in the United States. Our example is the University of Southern California (U.S.C.), (33) has had the most international students in American colleges or universities (34) the past seven years. U.S.C. ’s Office of International Services says (35) student this years is about seven thousand five hundred.
The Office helps (36) student life at the university. It also organizes programs to help foreign (37) feel more relaxed in their new surroundings. Most American colleges and universities have a similar (38) that helps international students. These offices look for ways to get students (39) in school life and make (40) friends. Their job is not always easy. International students often want to (41) thier free time with friends from their own countries. The office at U.S.C. (42) assists family members who come to the United States with international students. The family members can take English classes and go on trips to places (43) museums.
India, China, South Korea, Japan and Canada (44) the most students to the United States during the last school (45) .Next came Taiwan, Mexico, and Thailand.
A:college B:colleges C:student D:students
(D)
Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.
"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 Jacobs.
The Jacobs family did work out a solution: They asked and received more aid form the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.
With unemployment rising, financial aid administrators expect to hear more families like the Jacobs. 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 25years, 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.
A:provide most students will scholarships B:dismiss some financial aid administrators C:stop the companies from making student loans D:go on providing financial support for college students
(D)
Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.
"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 Jacobs.
The Jacobs family did work out a solution: They asked and received more aid form the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.
With unemployment rising, financial aid administrators expect to hear more families like the Jacobs. 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 25years, 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.
A:provide most students will scholarships B:dismiss some financial aid administrators C:stop the companies from making student loans D:go on providing financial support for college students
