Some of the United States’ biggest banks have closed their doors to students at community colleges, for-profit universities and other less competitive schools, even as they continue to extend government-backed loans to students at eh nation’s top universities.

Citibank has been among the most active in rebuilding the list of colleges it serves. JPMorgan Chase, PNC and SunTrust say have not dropped whole loan plans, but are cutting colleges. Some less-selective four-year colleges, like Eastern Oregon University and William Jessup University, say they have been dropped by some lenders.

The practice suggests  that if the credit crisis and poor conditions in the student loan business continue, some of the nation’s neediest students will be hurt most. The difficulty of borrowing money may keep them from attending school or force them to take a semester（學(xué)期） off.  For those who have got student loans, they will end up with less attractive terms and may run a greater risk of dropping out if they have to change lenders in the middle of their college year.

Tuition and loan amounts can be quite small at community colleges. But these institutions, which are a stepping stone to other educational programs or to better jobs, often draw students from the lower ranks of the economic classes. According to the most recent data, about a third of US graduates took out loans, a majority of them guaranteed by the government.

“If put too many obstacles in their way to get a loan, they ’ll take a third job or use a credit card,” said Jacqueline K. Bradley, assistant director for financial aid at Mendocino College. “That almost guarantees that they won’t be as successful in their college career.”

Some loan companies have stopped the students loan business entirely, viewing it as unprofitable in the current environment. Students attending first-class, expensive, public and private four-year universities can expect to remain plentiful. The banks generally say these loans are bigger, more profitable, and less risky, perhaps in part because the banks expect graduates from these universities to earn more.

So far, financial aid administrators say they have been able to find some lenders that students can switch to, but this is costly to students--- in money and time.

59. Who will be the most upset at the news?

A. A poor students at a top university.          B. A poor students at a community university.

C. A bank clerk dealing with student loan business.

D. A teacher from a for-profitable university.

60. With too many obstacles in their way to get a loan, students will probably __________.

A. switch to top universities                       B. cancel their credit cards

C. fail in their exams                                 D. win a scholarship

61. When they say something is “government-backed”, you mean it is ___________.

A. guaranteed by the government                B. dropped by the government

C. against government                               D. for government

62. What is the best title for the passage?

A. The students loan business in America.    B. Banks and universities in America.

C. Student loans start to drop colleges.        D. Credit crisis starts to affect loans.

      

【答案】

59-62 BCAC

【解析】略

 

練習(xí)冊(cè)系列答案
相關(guān)習(xí)題

科目：高中英語 來源： 題型：閱讀理解

The National Outline for Medium and Long Term Education Reform and Development (2010 - 20) was released over the weekend. Here are some of the highlights:

Four – percent effort

The government says spending on education will be 4 percent of GDP by 2012. globally, average spending on education is about 4.5% of GDP. China spend 3,33% in 2008. according to Hu Angang, of Tsinghua University’s Center for China Studies, even if China reaches that goal, it will only rank about 100 th out of 188 countries.

Administrative rank

Administrative rankings for school leaders are to be phased out to tackle the bureaucracy (官僚機(jī)構(gòu)) problem that limits educational development, according to Cheng Fangping, of the national Institute for Educational Research. Areas like teaching programs, scientific research, and technological development will be more independent.

Vocational Education

The system will be free of charge. According to Wu Yan, of Beijing Institute of Educational Sciences, this will be key to developing China’s production capacity and will improve poor people’s lives dramatically.

Entering college

    Universities could eventually have the freedom to choose some of their own high school applicants. Normally, students are accepted based on the uniform national exam scores. Also, students who agree to go to a remote area could be admitted to university under special circumstances. The most likely change could come on the college entrance English test, which might be modeled on the IELTS or TOEFL. Students will be able to take it several times and pick their best score.

56．Which of the following is true in the future according to the passage?

      A．Applicants could take the IELTS or TOEFL instead of the college entrance English test.

       B．Colleges will be given the right to choose all of their own applicants.

       C．Vocational education will be party free to make people’s lives better.

       D．Applicants could sit for the college entrance English test more than once.

57．Which of the following words is closest in meaning to “uniform” in the last paragraph?

       A．formal      B．official     C．same D．united

58．We can learn from the passage even though our country spends 4% of GDP on education in 2012,          .

       A．there will still be 188 countries ahead of China in this aspect

       B．China will certainly overtake the global average spending on education

       C．there might be nearly 100 countries ahead of China in this aspect

       D．China will be the 100 th country to spend over the global average on education

59．From the third paragraph, we can infer that         .

      A．school leaders will have more freedom to manage the school

       B．schools will have more limits from the government

       C．School administrative rankings are to be strengthened to solve the bureaucracy problem

       D．schools and research centers will be fully independent from the government

查看答案和解析>>

科目：高中英語 來源：2013屆安徽省黃山市高三第一次聯(lián)考英語試卷（帶解析） 題型：閱讀理解

As the railroads and the highways shaped the American West in the past centuries, a new electrical generating(發(fā)電)and transmission (輸送) system for the 21st century will leave a lasting mark on the West, for better or worse. Much of the real significance of railroads and highways is not in their direct physical effect on the scenery, but in the ways that they affect the surrounding community. The same is true of big solar plants and the power lines that will be laid down to move electricity around.
The 19 th century saw land grants(政府撥地) offered to railroad companies to build the transcontinental railroads, leaving public land in between privately owned land. In much of the West, some of the railroad sections were developed while others remained undeveloped, and in both cases the landownership has presented unique challenges to land management. With the completion of the interstate highway system, many of the small towns, which sprang up as railway stops and developed well, have lost their lifeblood and died.
Big solar plants and their power lines will also have effects far beyond their direct footprint in the West. This is not an argument against building them. We need alternative energy badly, and to really take advantage of it we need to be able to move electricity around far more readily than we can now.
So trade-offs will have to be made. Some scenic spots will be sacrificed. Some species(物種) will be forced to move, or will be carefully moved to special accommodations. Deals will be struck to reduce the immediate effects.
The lasting effects of these trade-offs are another matter. The 21st century development of the American West as an ideal place for alternative energy is going to throw off a lot of power and money in the region. There are chances for that power and money to do a lot of good. But it is just as likely that they will be spent wastefully and will leave new problems behind, just like the railroads and the highways.
The money set aside in negotiated trade-offs and the institutions that control it will shape the West far beyond the immediate footprint of power plants and transmission lines. So let’s remember the effects of the railroads and the highways as we construct these new power plants in the West.
【小題1】What was the problem caused by the construction of the railways?

A．Small towns along the railways became abandoned.
B．Land in the West was hard to manage.
C．Some railroad stops remained underused.
D．Land grants went into private hands.
【小題2】What is the major concern in the development of alternative energy according to the last two paragraphs?
A．The use of money and power.
B．The transmission of power.
C．The conservation of solar energy.
D．The selection of an ideal place.
【小題3】What is the author’s attitude towards building solar plants?
A．Disapproving.B．Approving.C．Doubtful.D．Cautious.
【小題4】Which is the best title for the passage?
A．How the Railways Have Affected the West
B．How the Effects of Power Plants Can Be Reduced
C．How Solar Energy Could Reshape the West
D．How the Problems of the Highways Have Been Settled

查看答案和解析>>

科目：高中英語 來源：2013屆安徽省屯溪一中高三第一次質(zhì)量檢測(cè)英語試卷（帶解析） 題型：閱讀理解

As the railroads and the highways shaped the American West in the past centuries, a new electrical generating(發(fā)電)and transmission (輸送) system for the 21st century will leave a lasting mark on the West, for better or worse. Much of the real significance of railroads and highways is not in their direct physical effect on the scenery, but in the ways that they affect the surrounding community. The same is true of big solar plants and the power lines that will be laid down to move electricity around.
The 19 th century saw land grants(政府撥地) offered to railroad companies to build the transcontinental railroads, leaving public land in between privately owned land. In much of the West, some of the railroad sections were developed while others remained undeveloped, and in both cases the landownership has presented unique challenges to land management. With the completion of the interstate highway system, many of the small towns, which sprang up as railway stops and developed well, have lost their lifeblood and died.
Big solar plants and their power lines will also have effects far beyond their direct footprint in the West. This is not an argument against building them. We need alternative energy badly, and to really take advantage of it we need to be able to move electricity around far more readily than we can now.
So trade-offs will have to be made. Some scenic spots will be sacrificed. Some species(物種) will be forced to move, or will be carefully moved to special accommodations. Deals will be struck to reduce the immediate effects.
The lasting effects of these trade-offs are another matter. The 21st century development of the American West as an ideal place for alternative energy is going to throw off a lot of power and money in the region. There are chances for that power and money to do a lot of good. But it is just as likely that they will be spent wastefully and will leave new problems behind, just like the railroads and the highways.
The money set aside in negotiated trade-offs and the institutions that control it will shape the West far beyond the immediate footprint of power plants and transmission lines. So let’s remember the effects of the railroads and the highways as we construct these new power plants in the West.
【小題1】What was the problem caused by the construction of the railways?

A．Small towns along the railways became abandoned.
B．Land in the West was hard to manage.
C．Some railroad stops remained underused.
D．Land grants went into private hands.
【小題2】What is the major concern in the development of alternative energy according to the last two paragraphs?
A．The use of money and power.
B．The transmission of power.
C．The conservation of solar energy.
D．The selection of an ideal place.
【小題3】What is the author’s attitude towards building solar plants?
A．Disapproving.B．Approving.C．Doubtful.D．Cautious.
【小題4】Which is the best title for the passage?
A．How the Railways Have Affected the West
B．How the Effects of Power Plants Can Be Reduced
C．How Solar Energy Could Reshape the West
D．How the Problems of the Highways Have Been Settled

查看答案和解析>>

科目：高中英語 來源：2012-2013學(xué)年安徽省黃山市高三第一次聯(lián)考英語試卷（解析版） 題型：閱讀理解

As the railroads and the highways shaped the American West in the past centuries, a new electrical generating(發(fā)電)and transmission (輸送) system for the 21st century will leave a lasting mark on the West, for better or worse. Much of the real significance of railroads and highways is not in their direct physical effect on the scenery, but in the ways that they affect the surrounding community. The same is true of big solar plants and the power lines that will be laid down to move electricity around.

The 19 th century saw land grants(政府撥地) offered to railroad companies to build the transcontinental railroads, leaving public land in between privately owned land. In much of the West, some of the railroad sections were developed while others remained undeveloped, and in both cases the landownership has presented unique challenges to land management. With the completion of the interstate highway system, many of the small towns, which sprang up as railway stops and developed well, have lost their lifeblood and died.

Big solar plants and their power lines will also have effects far beyond their direct footprint in the West. This is not an argument against building them. We need alternative energy badly, and to really take advantage of it we need to be able to move electricity around far more readily than we can now.

So trade-offs will have to be made. Some scenic spots will be sacrificed. Some species(物種) will be forced to move, or will be carefully moved to special accommodations. Deals will be struck to reduce the immediate effects.

The lasting effects of these trade-offs are another matter. The 21st century development of the American West as an ideal place for alternative energy is going to throw off a lot of power and money in the region. There are chances for that power and money to do a lot of good. But it is just as likely that they will be spent wastefully and will leave new problems behind, just like the railroads and the highways.

The money set aside in negotiated trade-offs and the institutions that control it will shape the West far beyond the immediate footprint of power plants and transmission lines. So let’s remember the effects of the railroads and the highways as we construct these new power plants in the West.

1.What was the problem caused by the construction of the railways?

A．Small towns along the railways became abandoned.

B．Land in the West was hard to manage.

C．Some railroad stops remained underused.

D．Land grants went into private hands.

2.What is the major concern in the development of alternative energy according to the last two paragraphs?

A．The use of money and power.

B．The transmission of power.

C．The conservation of solar energy.

D．The selection of an ideal place.

3.What is the author’s attitude towards building solar plants?

A．Disapproving.      B．Approving.         C．Doubtful.          D．Cautious.

4.Which is the best title for the passage?

A．How the Railways Have Affected the West

B．How the Effects of Power Plants Can Be Reduced

C．How Solar Energy Could Reshape the West

D．How the Problems of the Highways Have Been Settled

 

查看答案和解析>>

科目：高中英語 來源：2010-2011學(xué)年江西省高三上學(xué)期第三次模擬考試英語卷 題型：閱讀理解

It is not often realized that women held a high place in southern European societies in the 10 th and 11 th centuries. As wife, the woman was protected by the setting up of a dowry (嫁妝) or decimum. Admittedly, the purpose of this was to protect her against the risk of desertion (遺棄)，but in reality its function in the social and family life of the time was much more important. The decimum was the wife’s right to receive a tenth of all her husband’s property. The wife had the right to withhold consent, in all transactions the husband would make, And more than just a right: the documents showed that she enjoyed a real power of decision, equal to that of her husband. In no case did the documents indicate any degree of difference in the legal status of husband and wife.

The wife shared in the management of her husband’s personal property, but the opposite was not always true. Women seemed perfectly prepared to defend their own inheritance(遺產(chǎn)，繼承物)against husbands who tried to exceed their rights, and on occasion they showed a fine fighting spirit. A case in point is that of Maria, Vivas, a Catalan woman of Barcelona. Having agreed with her husband Miro to sell a field she had inherited, for the needs of the household, she insisted on compensation. None being offered, she succeeded in dragging her husband to the scribe to have a contract duly drawn up assigning her a piece of land from Miro’s personal inheritance. The unfortunate husband was obliged to agree, as the contract says, “for the sake of peace.” Either through the dowry or through being hot-tempered, the Catalan wife knew how to win herself, within the context of the family, a powerful economic position.

1. A decimum was      .

A．the wife’s inheritance from her father

B．a(chǎn) gift of money to the new husband

C．a(chǎn) written contract

D．the wife’s right to receive one-tenth of her husband’s property

2. In the society described in the passage, the legal standing of the wife in marriage was      .

A．higher than that of her husband

B．lower than that of her husband

C．the same as that of her husband

D．higher than that of a single woman

3. What compensation did Maria Vivas get for the field?

A．Some of the land Miro had inherited.

B．A tenth of Miro’s land.

C．Money for household expenses.

D．Money from Miro’s inheritance.

4. Which of the following is Not mentioned as an effect of the dowry system?

A．The husband had to share the power of decision in marriage.

B．The wife was protested from desertion.

C．The wife gained a powerful economic position.

D．The husband was given control over his wife’s property.

 

查看答案和解析>>

同步練習(xí)冊(cè)答案