首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Jonathan Glater, a visiting assistant professor of law at the University of California, Irvine, and a former reporter at the New
Jonathan Glater, a visiting assistant professor of law at the University of California, Irvine, and a former reporter at the New
admin
2013-09-16
44
问题
Jonathan Glater, a visiting assistant professor of law at the University of California, Irvine, and a former reporter at the New York Times, has published a paper called The Other Big Test: Why Congress Should Allow College Students to Borrow More Through Federal Aid Programs.
His basic proposal is this: Federal student loans offer better terms and repayment options than the highly toxic, variable rate private student loans, and so therefore the government should allow college students to borrow up to the full cost of attendance using federal loans.
The first part is true, and the second part is insane. With section titles like "Borrowing More Can Be Good" and "Learning to Love Debt, " there’s a lot of things about this proposal to dislike.
But my least favorite part of the plan is this: Increasing federal student loan limits will encourage students to borrow more money, because there is a perception that it’s more conservative to borrow through the federal government: "Why would Uncle Sam stick me with too much debt? It must be OK!"
Mark Kantrowitz, a leading student loan expert and founder of FinAid. org, agrees with me.
"Students often treat loan limits as targets, so it is likely that this will lead to undergraduate students borrowing more than they need, " Mr. Kantrowitz said in an email. "It would also lead to students enrolling at colleges they can’t really afford, since they could borrow without restraint up to the full college costs. That will make it more difficult for them to repay the debt, since the debt will be out of sync with incomes. Income-based repayment does provide a safety net, but one should not need to routinely rely on such a safety net for more than a few percent of the student population. The risk with the colleges is not that they would increase tuition more than they already do given an unlimited source of liquidity(偿债能力), but rather that they would substitute the loans for institutional grants, reducing the amount and proportion of gift aid in the financial aid package. That would yield a significant real increase in the bottom line cost of college. "
Glater’s proposal relies heavily on the idea that the forgiveness programs on student loans really make these programs more like grants, and that they could be marketed that way. Kantrowitz called that idea a "misleading" marketing tactic that would be "ultimately very harmful. "
The solution to the college cost crisis is to increase grant aid, get serious about cutting the cost structures at public colleges, and for students and families to do everything they can to pay cash for college. Raising the federal student loan limits should not even be part of the discussion.
To help solve the college cost crisis, students and families should______.
选项
A、borrow part of the college cost by federal loans
B、endeavor to pay colleges ready money
C、strive for more financial aid
D、appeal to cut down cost structures in colleges
答案
B
解析
根据题干关键词college cost crisis,students and families定位到原文末段首句:The solution to the college cost crisis is to increase grant aid,get serious about cutting the cost structures at public colleges,and for students and families to do everything they can to pay cash for college.可知,解决大学费用危机对于学生及其家长来说应该做的是尽力付给学校现金,故选B)项。选项中endeavor和ready money分别对应原文do everything they can和cash。
转载请注明原文地址:https://kaotiyun.com/show/LK97777K
0
大学英语六级
相关试题推荐
Televisioneatsoutoursubstance.Mandercallsthisthemediationofexperience."WithTVwhatwesee,hear,touch,smell,fee
Islanguage,likefood,abasichumanneedwithoutwhichachildinacriticalperiodoflifecanbestarvedanddamaged?Judgin
LawrenceBragg,theCavendishProfessorofExperimentalPhysics,oncewrote:"IwilltrytodefinewhatIbelievetobelacking
ProperstreetbehaviorintheUnitedStatesrequiresanicebalanceofattentionandinattention.Youaresupposedtolookata【
ProperstreetbehaviorintheUnitedStatesrequiresanicebalanceofattentionandinattention.Youaresupposedtolookata【
TherehewasAmerica’sfirstPresidentwithaMBA,themanwholovestoboastabouthisbusinessbackground,whosepresidential
A、Tocreateahumaneenvironment.B、Tosavetimeandmoney.C、Toeducatethem.D、Toreplacethefamily.AWhichofthefollowing
A、Themanshouldstartrunningdaily.B、Shealsopreferstoexerciseintheafternoon.C、It’simportanttowarmupbeforeexerci
A、Hedoesn’tknowwhattoolstobring.B、Hedoesn’tmindhelpingthewoman.C、Thewomanwon’thavetocarrythetools.D、Thedon
Directions:Forthispart,youareallowed30minutestowriteashortessayentitledVolunteerServiceIsWelcomeEverywhere.Y
随机试题
不受《著作权法》保护的作品是()。
食品生产车间机械通风管道进风口距地面的是
模型检查可以观察的内容不包括
和兴公司从银行贷款1000万美元,由中实公司向银行提供了连带保证担保。然后,应中实公司的要求,兴发公司又向中实公司提供了再保证,约定在中实公司因承担保证责任代和兴公司清偿债务后,有权要求兴发公司偿还其代为清偿的债务。合同签订后,由于和兴公司不能还款,银行遂
【2014年第4题】题26~30:某台风机电动机拟采用电流型逆变器控制,选用串联二极管式电流型逆变器,如下图。该风机电动机的额定功率为P=160kW,额定电压380V,额定电流279A,额定效率94.6%,额定功率因数0.92,电动机为星形接线,每相漏感为
根据我国《民法通则》的规定,诉讼时效期间从()计算。
“敬业"的基本要求包括()
等比递增数列{an}的公比为q,前n项和为Sn,已知S2=3a2+2,S4=3a4+2,则q=______.
有些名校毕业生,跑去卖猪肉或养鸡。有人觉得浪费资源,也有人觉得他们的生意做得风生水起,你怎么看?
Sometrytoreasonwiththepoliceofficerwhohaspulledthemoverforsomerealorimaginedtrafficoffense.Butwhenlawen
最新回复
(
0
)