2. 考研
  3. Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013.

Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013.

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问题     Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013. This year, she says she hopes to earn $ 35 ,000 working part-time jobs as a therapist and yoga teacher—not enough to manage a loan payment of about $ 2,000 a month. But Strong isn’t paying anything close to that. She’s one of at least 3. 8 million Americans who’ve qualified for federal programs that tie payments to income and eventually forgive debt for some struggling borrowers , leaving taxpayers to pick up the tab.
    President Obama has praised the programs for offering a lifeline to borrowers who’d otherwise default, scarring their credit. Strong pays about $ 100 a month on her federal loans, which she used to finance her graduate studies at Argosy University. " I wouldn’t know how I would pay it back otherwise, she says.
    Income-based repayment was introduced under President Clinton, but the programs weren’t heavily promoted until late 2013, when the Obama administration began sending e-mails to borrowers, telling them, " Your initial payment could be as low as $ 0 a month. " The number of people using these plans has quadrupled since 2012. About half of outstanding balances in the Department of Education’s Grad Plus loans, which finance advanced-degree studies, are in income-driven plans. Most borrowers in the programs have payments capped at 15 percent of income, with allowances for housing and other expenses. In December the Obama administration is expected to expand the number of borrowers eligible for a payment cap of 10 percent. Secretary of Education Arne Duncan said the plans protect people going into socially valuable but low-paying lines of work from crushing debt. " That’s good for them. That’s good for our economy. It’s good for our society," he said.
    Critics say the plans are a hidden subsidy to well-off students and colleges, which can justify tuition increases by reassuring students that they may not have to repay their debt. In a seminar at Georgetown Law, Charles Pruett, assistant dean for financial aid, was captured on video telling alumni they could "ignore" debt balances if they spent 10 years in government or nonprofit jobs, which would qualify them for early loan forgiveness. Pruett says Georgetown promotes the programs to encourage graduates to take public-service jobs. "It’s an earned benefit, not a giveaway," he says.
    Borrowers hold $1.2 trillion in federal student loans, the second-biggest category of consumer debt, after mortgages. For taxpayers the loans are " a slow-ticking time bomb," says Stephen Stanley, a former Federal Reserve economist.
It can be inferred from Para. 2 that without the federal programs, ______.
选项 A、borrowers would have difficulty to live on
B、borrowers would default on their loans
C、borrowers cannot manage their debt
D、borrowers couldn’t earn enough to pay their debt
答案C
解析 推断题。根据题干定位到第二段。关键句:．．．the programs for offering a lifeline(生命线)to borrowers who’d otherwise default(拖欠)，scarring their credit．“该计划给借款者抛出了救命稻草，不然他们可能会拖欠贷款，留下信用污点。”由此可知，如果没有联邦计划，有些借款者就无法及时偿还贷款，所以[C]选项正确。[A]选项“借款者会有生存困难”并未在原文中体现，因此可排除。[B]选项“无法偿还贷款”与原文“拖欠贷款”表述不符，可排除。[D]选项，借款者的收入并不受到联邦计划的影响，因此该选项可排除。
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