A Wise Choice?
One day, Moyer sat down with his mother, Janne O'Donnell, to talk about his goal of going to law school. Don't count on it, O'Donnell told him. She couldn't afford the cost and Moyer doubted he could get a loan, given how much he owed already. "He said he felt like a failure," O'Donnell recalls. "He didn't know how he had gotten into such a mess."
A week later, the 22-year-old hanged himself in his bedroom, where his mother found him. O'Donnell is convinced the money pressures caused his suicide. "Sean tried to pay his debts off," she says. "And he couldn't take it."
To be sure, suicides are exceedingly rare. But despair is common, and it sometimes leads students to rethink whether college was worth it. In fact, there are quite a few jobs that don't require a college degree, yet pay fairly well. On average, though, college graduates can expect to earn 80 percent more than those with only a high school diploma. Also, all but two of the 50 highest paying jobs (the exceptions being air traffic controllers and nuclear power reactor operators) require a four-year college degree. So foregoing a college education is often not a wise choice.
Merit Mikhail, who graduated last June from the University of California, Riverside, is glad she borrowed to get through school. But she left Riverside owing $20,000 in student loans and another $7,000 in credit card debt. Now in law school, Merit hopes to become a public-interest attorney, yet she may have to postpone that goal, which bothers her. To handle her debt, she'll probably need to start with a more lucrative(有利的)legal job.
Like so many other students. Mikhail took out her loans on a kind of blind faith that she could deal with the consequences. "You say to yourself, 'I have to go into debt to make it work, and whatever it takes later, I'll manage.'" Later has now arrived, and Mikhail is finding out the true cost of her college degree.
1. Griffith worked for a firm that specialized in economic development in Washington D.C. because she needed money to pay for her debt.
2. The only problem the students are facing at graduation is the dismal job market.
3. One reason why colleges increase tuition and fees is that the state support is shrinking.
4. Nearly all the families can manage to meet the soaring tuition costs through various investment plans.
5. According to Nadine's calculation, she can pay off all her debt when she is ________ if she can get a salary of $120,000 a year right out of law school.
6. Students get money from not only federal loans but also ________.
7. The college department or association can get payments from the issuer if it sanctions credit cards decorated with ________.
8. O'Donnell thinks that the cause of her 22-year-old son's suicide is ________.
9. The author says that foregoing a college education is often not a wise choice because ________ of the 50 highest paying jobs require a four-year college degree except for air traffic controllers and nuclear power reactor operators.
10. Merit will have to start with a more lucrative legal job instead of her favorite position—a public-interest attorney because she has to ________.
keys:
1. Y 根據(jù)題干中的信息詞Griffith和Washington D.C. 定位到第一個(gè)小標(biāo)題下的第三段,再結(jié)合上一段內(nèi)容可知,Griffith想去工會(huì)工作,但其薪水無(wú)法支付她欠下的學(xué)生貸款和信用卡債務(wù),因此她轉(zhuǎn)而去一家經(jīng)濟(jì)發(fā)展公司工作,故該句表述正確。
2. N 根據(jù)題干中的信息詞at graduation和dismal job market定位到第一個(gè)小標(biāo)題下的倒數(shù)第二段,可知有越來(lái)越多的大學(xué)生抵押自己的未來(lái)以支付高昂的學(xué)費(fèi)和讀大學(xué)的其他費(fèi)用,他們畢業(yè)時(shí)背負(fù)著沉重的學(xué)生貸款和信用卡債務(wù),更不用提低靡的就業(yè)市場(chǎng)了。由此可知,大學(xué)生畢業(yè)時(shí)至少面臨三個(gè)問題,故該句表述錯(cuò)誤。
3. Y 根據(jù)題干中的信息詞state support和shrinking定位到第二個(gè)小標(biāo)題下的第一段,可知大學(xué)強(qiáng)調(diào)自己漲學(xué)費(fèi)是為了支付前沿科技、教職管理人員的工資和醫(yī)療保健等費(fèi)用,而現(xiàn)在政府因預(yù)算吃緊,對(duì)大學(xué)的扶持也在縮減。由此可知,該句表述正確。
4. N 根據(jù)題干中的信息詞families和investment定位到第三個(gè)小標(biāo)題下的第一段,可知許多家庭原以為自己的計(jì)劃很完善,即便學(xué)費(fèi)繼續(xù)攀高,他們投資的回報(bào)也足夠支付費(fèi)用,可沒想到的是那些投資和股市一起失敗了。由此推斷,很少有家庭可以通過(guò)投資計(jì)劃支付高昂的學(xué)費(fèi),故該句表述錯(cuò)誤。
5. 35 years old。根據(jù)題干中的信息詞Nadine和$120, 000 a year定位到第三個(gè)小標(biāo)題下第二段的段尾,可知Nadine計(jì)算出,等她還完所有債務(wù),她就已經(jīng)35歲了,而這還是比較樂觀的估計(jì),因?yàn)樗挠?jì)算是預(yù)計(jì)自己一畢業(yè)就能找到年薪至少為12萬(wàn)美元的工作。
6. private lenders and credit cards/private lenders/credit cards。根據(jù)題干中的信息詞federal loans定位到第四個(gè)小標(biāo)題,可知學(xué)生的大部分貸款都是聯(lián)邦貸款,他們也向私人債主借錢,而最糟糕的是他們還透支信用卡,造成信用卡債務(wù),由此可得答案。
7. the school’s picture or logo。根據(jù)題干中的信息詞payments from the issuer和sanctions定位到第四個(gè)小標(biāo)題下的最后一段,可知有些大學(xué)鼓勵(lì)信用卡公司在校園內(nèi)吸引學(xué)生辦卡,如果批準(zhǔn)發(fā)放那種印有學(xué)校照片或標(biāo)識(shí)的信用卡,學(xué)校相關(guān)院系或部門就可以從發(fā)卡方得到報(bào)酬。
8. the money pressures。根據(jù)題干中的信息詞O’Donnell和22-year-old定位到最后一個(gè)小標(biāo)題下的第二段,可知O’Donnell的兒子年僅22歲就在自己的臥室內(nèi)自殺,而O’Donnell確信是金錢的壓力導(dǎo)致了他的自殺,由此可得答案。
9. all but two。根據(jù)題干中的信息詞foregoing和50 highest paying jobs定位到最后一個(gè)小標(biāo)題下的第三段,可知除了空中交通管制員和核反應(yīng)堆操控員以外,50個(gè)報(bào)酬最高的工作只有兩個(gè)需要四年大學(xué)學(xué)歷,所以說(shuō)上大學(xué)通常不是明智之舉。
10. handle her debt。根據(jù)題干中的信息詞Merit和public-interest attorney定位到最后一個(gè)小標(biāo)題下的倒數(shù)第二段,可知Merit想當(dāng)公益律師,但她可能得推遲這一打算,因?yàn)闉榱藨?yīng)付她的債務(wù),她很可能需要一開始做一份報(bào)酬更高的法律工作。
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