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
考研
PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially
PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially
admin
2014-04-20
63
问题
PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially strapped parents say. They hold the view that many financially strapped and unsophisticated parents may be taking PLUS loans to help their children out now, not realizing that how much trouble awaits them if they start missing payments.
The Department of Education says it is simply awarding PLUS loans according to the rules set by Congress: Federal law "provides no authority for the Department to deny an applicant a PLUS loan based on their perceived ability to repay the loan," a department spokesman explained via E-mail. Instead, parents can borrow as long as they don’t have what the law calls " adverse credit. " That low standard only cuts off parents with serious credit problems such as a bankruptcy, lien or foreclosure in the last five years, or a bill currently more than 90 days overdue.
Because no one knows how many parents are taking college loans they can’t afford, there is debate over how big—or small—the problem might be.
Nancy Lynn Hoover, director of financial aid at Denison University, thinks very few parents are getting in over their heads. She said many college aid officers may have noticed a difference in approval standards this year because on July 1, the federal government took over handling of all federal college loan applications. Before that, private banks, many of which had tougher lending standards for PLUS loans, were paid by the government to process most federal college loan applications. " I personally have mentored over 100 schools’ switch to the federal loan management system," Hoover says. " If it were a situation of much magnitude, I believe I would hear it. "
But even a few loans to parents who can’t afford them at each of the more than 4,000 colleges in the U. S. would mean financial crises for thousands of families. Last fiscal year, about 737,000 parent PLUS loans were approved, out of an estimated 1.1 million applications. If a similar number apply this coming year, and the government continues its current policy, it will likely approve 825,000 parent PLUS loans.
Sarah Bauder, assistant vice president of enrollment services and financial aid at the University of Maryland, said the PLUS approval rate for parents of her students has jumped from about 80 percent to 97 percent since the switch to the federal direct lending program. She says she knows at least a few of the parents who have been approved are jobless or teetering on the edge of bankruptcy. " Look at the housing market scenario. Five to seven years down the road, we’re going to be in the same situation for parent loans," Bauder warns.
By citing Sarah Bauder’s point of view, the author intends to______.
选项
A、analyze the consequences of taking loans
B、discuss the possible development of PLUS Loans
C、exemplify people’s anxiety about PLUS Loans
D、contrast the approval rates in the recent two years
答案
C
解析
篇章题。本题考查考生对议论文谋篇结构的理解。从结构上看,自第四段开始,作者对追加贷款的放贷问题进行正反两方面观点的论述,第四段为支持方观点,而第五段和第六段为反对方观点,其中第五段采用引用数据的方法,而第六段则引述代表性的观点,其目的都是作为例证,支持反方的观点,故[C]项表述正确。追加贷款的政策改变,标准放宽时间尚短,原文只是提到各方对此的观望和看法,事情还没有结果,也谈不到进行分析,故排除[A]项。[D]项混淆了写作的内容和目的,文中虽然对获准率进行了对比,但是写作目的并不在此,故[D]项也排除。[B]项较有迷惑性,虽然Bauder在本段最后说了自己对前景的预测,但其暗含意思仍是在表达担忧,而不是在探讨这项贷款未来的发展,故也可排除[B]项。
转载请注明原文地址:https://kaotiyun.com/show/YWO4777K
0
考研英语一
相关试题推荐
"Sustainability"hasbecomeapopularwordthesedays,buttoTedNing,theconceptwillalwayshavepersonalmeaning.Havingen
AccordingtocomScore,Facebookistheleadingsocialnetworkingsitebasedonmonthlyuniquevisitors,havingovertakenmainco
Guthrie’scontiguityprincipleofferspracticalsuggestionsforhowtobreakhabits.Oneapplicationofthethresholdmethod
Didyoueverhavesomeone’snameonthetipofyourtongueandyetyouwereunabletorecallit?【1】thishappensagain,dono【2】t
Didyoueverhavesomeone’snameonthetipofyourtongueandyetyouwereunabletorecallit?【1】thishappensagain,dono【2】t
Didyoueverhavesomeone’snameonthetipofyourtongueandyetyouwereunabletorecallit?【1】thishappensagain,dono【2】t
Placingahumanbeingbehindthewheelofanautomobileoftenhasthesamecuriouseffectascuttingcertainfibresinthebrain
Therehasbeenadiscussionrecentlyontheissueoftraditioninanewspaper.Writeanessayofabout200wordstothenewspape
(46)Itisknownthatthebrainshrinksasthebodyages,buttheeffectsonmentalabilityaredifferentfrompersontoperson.
In1926,whilefilmingTheKingofKings,directorCecilB.DeMillemovedhiscastandcrewtoCatalinaIsland,offthecoastof
随机试题
PASSAGEONE(1)Thepoundingrainbeganinthemiddleofthenight.ThepeopleofJackson,Ohioawoketothesoundthenwen
Inthe______Approach,teachingmaterialsusedoftenteachthelanguageneededtoexpressandunderstanddifferentkindsoffun
Mostcitiesand/orstatesintheU.S.collectasalestaxonalmosteverythingyoubuy.Youmustaskwhenyoumoveintoanewc
终尿中的蛋白质含量为
甲、乙签订买卖合同,甲向乙支付全部价款,约定乙应于1999年12月30日前交付货物。12月25日,甲得知乙近期将出国,并已将库存全部货物及其他财产卖给他人。于是,甲要求乙承担违约责任,乙拒绝。下列表述正确的是:
关于证券承销,下列说法不正确的是:()
储存装置的作用是保证不间断地供应燃气、平衡、调度燃气供变量。其设备主要有( )
人类的教育是对动物界教育的继承、改善和发展。()
我国《刑法》规定:在犯罪活动中,自动放弃犯罪或者自动有效地防止犯罪结果发生的,是犯罪中止。根据上述定义,下列行为中属于犯罪中止的是:
下列关于IPSec的说法中,错误的是______。
最新回复
(
0
)