题目
题型:不详难度:来源:
Recently, two major US student loan lenders — Citibank and JPMorgan Chase — announced they were leaving the student loan industry altogether. Because banks currently have a lack of credit, they are reluctant to offer students low-interest loans that need a several-year wait for any return of interest.
In the US, many undergraduates top up their financial needs with a private loan, although the majority can get government-funded loans. In the 2005-2006 academic year, $17 billion in private student loans was used to finance higher education. The shortfall in private funding has yet to be covered and will hit many US students hard.
Across the Atlantic, UK students have been less troubled by the crisis. Most undergraduates in the UK cover their university expenses with government-funded loans and grants (助学金). Their biggest concern is a sudden steep increase in student rent.
Most young professionals now rent houses, since 80 percent of UK mortgage schemes (住房抵押贷款计划) have disappeared — a direct result of the credit crisis. This has boosted the house rent market.
In large cities, UK students are paying almost 6.5 percent more in rent than the previous year. Figures from the UK organization Accommodation for Student show students in big cities such as London paying an average weekly rent of £103. Yet, despite students’ suffering, the number of this year’s university applications is expected to grow. During economic slumps (经济萧条时期), people regard further education as a way to survive tough job markets.
小题1:According to the passage, banks are unwilling to offer students loans because ________.
A.the students are poor and sometimes they can’t pay off the debt |
B.banks prefer lending the money to the young professionals |
C.banks don’t have enough money left at the present time |
D.they think college students are not studying hard |
A.put up | B.make up | C.fill up | D.pick up |
A.UK college students have to pay more if they want to rent houses. |
B.More UK students want to further their study in college. |
C.It is not so easy for US students to loan money now. |
D.College students’ tuition fees have risen greatly. |
A.there are no private student loan lenders in the UK |
B.loans for US college students will be increased next year |
C.private funding falls a little because of higher-interest loans in the US |
D.private loans play a very important role in financing US students’ education |
答案
小题1:C
小题2:C
小题3:D
小题4:D
解析
核心考点
试题【Because of the financial crisis in the US and UK, college students are beginning】;主要考察你对题材分类等知识点的理解。[详细]
举一反三
Secondly, 34 language learners are active in 35 , therefore, they do not wait for a chance to use the languages, and they look for such a chance. They find people who speak the language and let those people 36 them when they make a 37 . They will try anything to communicate. They are not afraid to repeat what they hear or to say 38 things which sound weird. They are willing to make mistakes and try again, when communication is difficult. They can accept information that is 39 or incomplete. It is more 40 for them to learn to think in the language than to know the 41 of every word.
42 successful language learners are learners with 43 . They want to learn language because they are interested in the language and the people who speak it. It is necessary for them to learn the language in order to 44 with these people and to learn from them. They find it easy to practice using the language 45 because they want to learn it.
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It is very important for teenagers to have one good friend or a group of friends.Even when they are not with their friends, they usually spend a lot of time talking among themselves on the phone.This communication is very important in children’s growing up, because friends can discuss something.These things are difficult to tell their family members.
However, parents often try to choose their children’s friends for them.Some parents may even stop their children from meeting their good friends.Have you ever thought of the following questions?
Who chooses your friends?
Do you choose your friends or your friends choose you?
Have you got a good friend your parents don’t like?
Your answers are welcome.
小题1: Many teenagers think that ____ can understand them better.
A.friends | B.brothers | C.sisters | D.parents |
A.stay alone at home | B.fight with their parents |
C.discuss it with their friends | D.go to their brothers and sisters for help |
A.You are welcome to discuss the questions with us |
B.We’ve got no idea, so your answers are welcome |
C.Your answers are always right |
D.You can give us all the right answers |
A.Parents should choose friends for their children. |
B.Children should choose everything they like. |
C.Parents should understand their children better. |
D.Teenagers should only go to their friends for help. |
A.give information for the parents to make their own judgment (判断) |
B.give advice to children who want to choose their friends |
C.help parents to find better friends for their children |
D.get some information from many readers |
At first he got what he wanted by a simple process of exchange. The smith who had not the time to look after land or cattle was glad to take meat or grain from the farmer in exchange for an axe or a plough (犁). But as more and more goods which had no fixed exchange value came on the market, exchange became too complicated to be satisfactory. Another problem arose when those who made things wanted to get stocks of wood or leather, or iron, but had nothing to offer in exchange until their finished goods were ready.
Thus the difficulties of exchange led by degree to the invention of money. In some countries easily handled things like seeds or shells were given a certain value and farmer, instead of paying the smith for a new axe by giving him some meat or grain, gave him so many shells. If the smith had any shells left when he had bought his food, he could get stocks of the raw materials of his trade. In some countries quite large things such as cows or camels or even big flat stones were used for trade. Later, pieces of metal, bearing values according to the rarity (稀有) of the metal and the size of the pieces, or coins were used. Money as we know it had arrived.
小题1:What does the first paragraph mainly tell us?
A.Man needed little in the earliest stages of development. |
B.Man preferred to make tools by himself. |
C.How the simple process of exchange arose. |
D.What the early man needed from others. |
A.all learnt to make by themselves the things needed |
B.had to travel a lot to look for what they wanted |
C.wanted better things than those they themselves could provide |
D.no longer provided food and clothing for themselves |
A.man became more civilized |
B.there was not a marketplace for farmers and smiths to exchange their goods |
C.farmers hadn’t enough grain or meat to provide for skilled workers |
D.more and more goods which had no fixed exchange values appeared on the market. |
A.paper was invented |
B.nothing could be offered in exchange |
C.people practiced a simple process of exchange |
D.the exchange of one thing for another became too complicated |
A.Shells | B.Tea | C.Salt | D.Horses |
Norma didn’t travel alone.She brought about 100 companions along with her.Norma was an ant, a queen ant who, with her subjects, made up the first ant colony (群体) to travel into space.The ants were part of a science experiment designed by the students to test the effects of weightlessness on insects.
The equipment designed by the students for their colony functioned perfectly throughout the long space trip.The young scientists and their teachers were very sad to find that their insect astronauts had all died at some point before the container was returned to the school and opened.The problem did not occur in space, but on the ground after Challenger had landed.The container remained in the desert for nearly a week before the ant colony was removed.The hot, dry desert air dried out the colony’s container and the ants died from lack of moisture (水分).
The project was termed a success because it did provide useful information.Students will continue their efforts to find out exactly what went wrong.They will try to prevent the same difficulties from recurring (再发生) on future missions .They don’t want to be discouraged either by the death of the ants or by the $10,000 shuttle fare they will have to pay to send the next colony of ants into space.
小题1:The story is mainly about .
A.Sally Ride’s first ride |
B.space equipment for insects |
C.a space experiment with ants |
D.going to school in New Jersey |
A.some important things were learned |
B.dead ants are better |
C.everything went as expected |
D.students wrote about it |
A.weightlessness harmed them |
B.space caused too much pain |
C.no one fed them in space |
D.they dried out in the desert |
A.will be sent without people |
B.should not be left in the desert too long |
C.will have to pay double fare |
D.will escape the trip completely |
University tuition fees (学费)are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12,363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweather aged 15 from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
小题1: Which of the following can be found from the five-year research project?
A.Students understand personal finances differently. |
B.University tuition fees in England have been rising. |
C.Teenagers tend to overestimate their future earnings. |
D.The students" payback ability has become a major issue. |
A.to raise the student loans | B.to improve the school facilities |
C.to increase the upper limit of the tuition | D.to lift the school building roofs |
A.are too young to be exposed to financial issues |
B.should learn to manage their finances well |
C.should maintain a positive attitude when facing loans |
D.benefit a lot from lessons on personal finance |
A.Many British teenagers do not know money matters well |
B.Teenagers in Britain are heavily burdened with debts. |
C.Financial planning is a required course at college. |
D.Young people should become responsible adults. |
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