評論
打印
CONVERSATION TWO
對話2
Questions 6 to 10 are based on Conversation Two.
請根據對話2回答第6題到第10題。
W: It says a growing number of students are making a major hole from the minute they enter the real world
女：據說越來越多的學生一進入社會就開始還債了，
W: because they are already, some of them, more than 100, 000 dollars in debt.
女：因為有些學生早就欠下了10幾萬美元。
W: With us now is Mark Spencer, he is the senior financial analyst for SBC Bank.
女：今天我們請到了SBC銀行的高級金融分析師，馬克·斯賓塞。
W: Welcome to you.
女：歡迎你。
M: Thank you. Nice to be with you.
男：謝謝，很高興來到這里。
W: Now I guess there are two kinds of debts: good debt and bad debt.
女：債務分兩種：良性債務和不良債務。
W: Where does this go?
女：學生債務屬于哪一種？
M: Well, student loan debt is traditionally considered good debt,
男：嗯，學生債務一般屬于良性債務。
M: but the problem for many students and their families
男：不過，讓許多學生及其家庭發愁的是，
M: is that the cost of colleges has been going up at 6 to 8% a year,
男：大學學費每年上漲6%到8%，
M: far faster than the income, far faster than the standard of living.
男：遠遠超過收入增長速度和生活水平提高的速度。
M: That means debt's taking on a bigger and bigger role in financing education.
男：這意味著借貸在提供教育費用中發揮著越來越重要的作用。
W: How much debt is too much debt for, for one student?
女：那么對于一個學生來說，過多的債務具體是多少？
M: Well, one guideline is that you look at the first year's salary in your field after graduation,
男：嗯，有這樣一個方法，統計一下一個行業里應屆生的工資，
M: and use that as a barometer, but even then...
男：用它作參照，不過即使……
W: Is that right?
女：這個方法有效嗎？
M: Well, you are talking big payments even in that instance, for example, 30, 000 dollars worth of debt.
男：這種情況下涉及的都是大筆債務的償還，比如，3萬美元的債務。
M: If you are gonna repay that over 10 years,
男：如果你要在十年內還完，
M: you are talking more than 300 dollars a month at, in payments every month for 10 years.
男：每個月就要還300多美元，每個月都還，一共還10年。
W: But there're surely more than one way to get a loan for college.
女：但是獲得大學費用貸款肯定還有其他方法。
W: There are government programs.
女：比如政府項目。
W: There are so many kinds of grants.
女：還有很多種補助金。
W: What's, what's the best advice for people who are looking for these loans to try to keep themselves from going under.
女：那么對于那些正在為這些貸款奔走的人，如何防止自己生活負擔過重，有什么建議嗎？
M: I understand that loans are just one way of college finance.
男：我認為這些貸款只是支付大學費用的一種方式。
M: Take advantage of the other opportunities.
男：建議利用好其他機會。
M: Things like a college savings plan, let, let you save on a tax advantage basis.
男：比如加入學費儲蓄計劃，還可以獲得有利稅率。
M: So you can put money away in these accounts and withdraw tax-free to pay for that education.
男：你可以把錢存在這些賬戶里，取出的時候就不用交稅，直接拿去交學費。
W: So it's important to start early and that really reduces that reliance on debt later.
女：所以早做準備很重要，這樣后來可以少借貸。
M: Another thing, leave no stone unturned, looking at grants, scholarships, even on-campus jobs.
男：還有，不要怕麻煩，積極搜集補助金，獎學金或者校內兼職的信息。
M: I mean every dollar you get that way is seen as another dollar you don't have to borrow later.
男：這樣你得到一美元，就少借一美元。
W: The kinds of jobs that so many students, the fresh off students, like to go into, er, charity stuff, volunteer work.
女：很多學生，尤其是剛畢業的學生，喜歡去做慈善團體或者志愿活動的工作。
W: This debt is eliminating a lot of that, isn't it?
女：現在由于債務，去做這些工作的畢業生少了很多，對吧？
M: I think that's the social cost.
男：我認為這是社會應該負擔的成本。
M: Really, I mean, you know, when you consider that,
男：真的，我是說，你想想，
M: you know, people may pass up a rewarding career in charitable work, or non-profit organization
男：很多人會錯過慈善工作或者非盈利組織中的非常有意義的工作，
M: because they have to get a higher salary someplace else to pay off that debt.
男：只是因為他們要選擇其他單位的高工資的工作來還債。
W: Yeah, that's for sure. Mark Spencer, senior financial analyst from SBC Bank.
女：對，那是自然。馬克·斯賓塞，SOC銀行的高級金融分析師。
W: Mark, good you could be here.
女：馬克，感謝您來到我們這個節目。
M: Thank you.
男：謝謝。
Questions 6 to 10 are based on Conversation Two.
請根據對話2回答第6題到第10題。
Question 6. What is the interview mainly about?
第6題 這個訪談節目的主要內容是什么？
Question 7. How does the cost of college education change every year?
第7題 大學教育費用每年的變化是什么？
Question 8. What is used to measure student loan debt as a guideline?
第8題 可用作參考衡量學生債務的是什么？
Question 9. What is the advantage of joining a college savings plan?
第9題 加入學費儲蓄計劃有什么好處？
Question 10. What is the possible social cost of a college loan?
第10題 大學貸款可能會帶來什么樣的社會成本？
