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  3. The United States Carries Out the New Bill When she graduates from Columbia University next year with a master’s degree in p

The United States Carries Out the New Bill When she graduates from Columbia University next year with a master’s degree in p

admin2013-07-08  61
问题                    The United States Carries Out the New Bill
    When she graduates from Columbia University next year with a master’s degree in public health, Erin Wheeler is hoping to get a job in international reproductive health. The 26-year-old post-graduate has always wanted to work in public service. But public service doesn’t pay much, and her two-year program at Columbia costs about $50,000 a year with living expenses. She has a scholarship from Columbia that covers just $ 4,000 a year and has taken out loans to pay for the rest. She worries that she will spend years paying back her student loans and not have money left over to put away in an IRA. Wheeler is wondering what she can do to ease the pain of being in debt, is there anything she can do to handle the debt?
    The good news is that in 2007, Congress recognized that there were so many students in Wheeler’s position that it passed the College Cost Reduction and Access Act, There were two programs established by this act that Wheeler should look into.
    The first is the income-based repayment plan, which allows lower-income graduates with a lot of debt to reduce their monthly payments. Depending on a graduate’s income and level of debt, the program, which goes into effect July 1, could limit his or her annual educational loan debt repayment to 15 percent of discretionary income, said Peter Mazareas, vice chairman of the College Savings Foundation.
    The second is the public service loan forgiveness plan, in which the federal government will forgive the remaining debt of borrowers who make 10-year loan payments while working full time in public-service jobs. But the graduate must have a certain loan which is listed in the plan. Depending on the level of debt Wheeler ends up with and bow much she repays over 10 years, Mazareas said she could end up with about $ 75,000 of her debt forgiven. "Typically, it is projected that a borrower who performs public service under this program will repay only about one-fourth to one-half as much money as a borrower who does not," he said. He also pointed out that public service is broadly defined and includes any government and nonprofit organization job.
Why does the author say Erin Wheeler should look into the second plan in the act?
选项 A、Because she will be heavily in debt upon graduation.
B、Because she will have a master degree.
C、Because she plans to work in public service.
D、Because she-has borrowed money from the federal government.
答案C
解析 事实细节题。由题干中的the second plan定位到第四段。第二个方案中，政府对从事公共服务行业的毕业生给予了大幅发的减免，而文章第一段第一句又提到了惠勒打算从事公共服务性行业的工作。因此[C]“她打算从事公共服务性行业的工作”正确。[A]“负债高”是第一个方案的照顾条件，故排除；第四段在介绍第二个方案的内容时，没有提到硕士学位这一要求，排除[B]；文章第一段只说惠勒借了贷款，没有说贷款是否是政府提供，故排除[D]。
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