大学六级-1120及答案解析.doc
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1、大学六级-1120 及答案解析(总分:712.00,做题时间:90 分钟)一、Part Writing(总题数:1,分数:106.00)1.假设你是李明,假期即将到来,你打算做一次为期三周的旅行,希望找个外国朋友作为游伴(Travel-mate)。拟一个寻游伴的启事,交代清楚日程安排、费用分担情况、对方的要求等,并说明对方和你一起出游的好处。Travel-mate Wanted(分数:106.00)_二、Part Reading Compr(总题数:1,分数:70.00)Is College Really Worth the Money?The Real WorldEste Griffith
2、had it all figured out. When she graduated from the University of Pittsburgh in April 2001, she had her sights set on one thing: working for a labor union.The real world had other ideas. Griffith left school with not only a degree, but a boatload of debt. She owed 15,000 in student loans and had rac
3、ked up 4,000 in credit card debt for books, groceries and other expenses. No labor union job could pay enough to bail her out.So Griffith went to work instead for a Washington, D.C. firm that specializes in economic development. Problem solved? Nope. At age 24, she takes home about 1,800 a month, 1,
4、200 of which disappears to pay her rent. Add another 180 a month to retire her student loans and 300 a month to whittle down her credit card balance. “You do the math,“ she says.Griffith has practically no money to live on. She brown-hags( 自带午餐 ) her lunch and bikes to work. Above all, she fears she
5、ll never own a house or be able to retire. Its not that she regrets getting her degree. “Bat they dont tell you that the trade-off is the next ten years of your income,“ she says.Thats precisely the deal being made by more and more college students. Theyre mortgaging their futures to meet soaring tu
6、ition costs and other college expenses. Like Griffith, theyre facing a one-two punch at graduation: hefty (沉重的) student loans and smothering credit card debt-not to mention a job market that, for now anyway, is dismal.“We are forcing our children to make a choice between two evils,“ says Elizabeth W
7、arren, a Harvard Law professor and expert on bankruptcy. “Skip college and face a life of diminished opportunity, or go to college and face a life shackled (束缚) by debt.“Tuition HikesFor some time, colleges have insisted their steep tuition hikes are needed to pay for cutting-edge technologies, facu
8、lty and administration salaries, and rising health care costs. Now theres a new culprit (犯人): shrinking state support. Caught in a severe budget crunch, many states have sharply scaled back their funding for higher education.Someone had to make up for those lost dollars. And you can guess who-especi
9、ally if you live in Massachusetts, which last year hiked its tuition and fees by 24 percent, after funding dropped by 3 percent, or in Missouri, where appropriations (拨款) fell by 10 percent, but tuition rose at double that rate. About one-third of the states, in fact, have increased tuition and fees
10、 by more then 10 percent.One of those states is California, and Janet Burrells family is feeling the pain. A bookkeeper in Torrance, Burrell has a daughter at the University of California at Davis. Meanwhile, her sons attend two-year colleges because Burrell cant afford to have all of them in four-y
11、ear schools at once.Meanwhile, even with tuition hikes, Californias community colleges are so strapped for cash they dropped thousands of classes last spring. The result: 54,000 fewer students.Collapsing InvestmentsMany families thought they had a surefire plan: even if tuition kept skyrocketing, th
12、ey had invested enough money along the way to meet the costs. Then a fanny thing happened on the way to Wall Street. Those investments collapsed with the stock market. Among the losers last year: the wildly popular “529“ plans-federal tax-exempt college savings plans offered by individual states, wh
13、ich have attracted billions from families around the country. “We hear from many parents that what they had set aside declined in value so much that they now dont have enough to see their students through,“ says Penn State financial aid director Anna Griswold, who witnessed a 10 percent increase in
14、loan applications last year. Even. with a market that may be slowly recovering, it will take time, perhaps several years, for people to recoup(补偿) their losses.Nadine Sayegh is among those who didnt have the luxury of waiting for her college nest egg to grow back. Her father had invested money towar
15、d her tuition, but a large chunk of it vanished when stocks want south. Nadine was then only partway through college. By graduation, she had taken out at least 10,000 in loans, and her mother had borrowed even more on her behalf. Now 22, Nadine is attending law school, having signed for yet more loa
16、ns to pay for that. “There wasnt any way to do it differently,“ she says, “and Im not happy about it. Ive sat down and calculated how long it will take me to pay off everything. Ill be 35 years old.“ Thats if shes very lucky: Nadine based her calculation on landing a job right out of law school that
17、 will pay her at least 120,000 a year.Dependent on Loans and Credit CardsThe American Council on Education has its own calculation that shows how students are more and more dependent on loans. In just five years, from 1995 to 2000, the median loan debt at public institutions rose from 10,342 to 15,3
18、75. Most of this comes from federal loans, which Congress made more tempting in 1992 by expanding eligibility (home equity no longer counts against your assets ) and raising loan limits ( a dependent undergraduate can now borrow up to 23,000 from the federal government ).But students arent stopping
19、there. The College Board estimates that they also borrowed 4.5 billion from private lenders in the 20002001 academic year, up from 1.5 billion just five years earlier.For lots of students, the worst of it isnt even the weight of those direct student loans. Its what they rack up on all those plastic
20、cards in their wallets. As of two years ago, according to a study by lender Nellie Mae, more than eight out of ten uadergrads had their own credit cards, with the typical student carrying four. Thats no big surprise, given the in-your-face marketing by credit card companies, which set up tables on c
21、ampus to entice(诱惑) students to sign up. Some colleges ban or restrict this hawking, but others give it a boost. You know those credit cards emblazoned with a schools picture or its logo? For sanctioning such a card-a must-have for some students-a college department or association gets payments from
22、 the issuer. Meanwhile, from freshman year to graduation, according to the Nellie Mae study, students triple the number of credit cards they own and double their debt on them. As of 2001, they were in the hole an average 2,327.A Wise Choice?One day, Moyer sat down with his mother, Janne ODonnell, to
23、 talk about his goal of going to law school. Dont count on it, ODonnell told him. She couldnt afford the cost and Moyer doubted he could get a loan, given how much he owed already. “He said he felt like a failure,“ ODonnell recalls. “He didnt know how he had gotten into such a mess.“A week later, th
24、e 22-year-old hanged himself in his bedroom, where his mother found him. ODonnell is convinced the money pressures caused his suicide. “Sean tried to pay his debts o12,“ she says. “And he couldnt take it.“To be sure, suicides arc exceedingly rare. But despair is common, and it sometimes leads studen
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- 大学 1120 答案 解析 DOC
