Ease student burden now

1
Ease student burden now!

• MC Continuity
• RLS - 2007

2
YouTube Introduction
3
To make this easier, the authorities eased credit
terms and established a bad debt compensation
fund in 2004. Two years later, the outcome (71)

• 33.
• cannot yet be assessed
• has met government expectations.
• is still far from satisfactory
• is finally ready for evaluation.
• In spite of this, there are still many poor
  students

• XA,D because we know the result.
• The result is bad.
• CCorrect

4
Politicians made the changes two years ago (72)

• 34.
• A. as a way to win the publics support
• B. to make student loans more affordable
• C. by reducing spending in other areas
• D. with the help of major bank
• and to encourage commercial banks to grant
  more credit to students

• X C,D We know we are talking about a purpose.
• The purpose is most likely financial.
• BCorrect

5
In spite of this, there are still many poor
students waiting for financial aid (75)

• A No related
• B In spite of, not due to government policy
• C We have just read that they have done
  something.
• D A rising number of loans doesnt mean that all
  students have been granted loans.
• DCorrect

• 35.
• because students have no influence in society.
• due to government policy
• while the government does nothing
• even though the number of loans granted has
  risen.

6
Owing to inadequacies in the system (72)

• 36.
• it is hard to keep track of college graduates.
• the banks need to develop a new credit system.
• many students drop out of school.
• education is too expensive for many young people.
• Some student borrowers stop paying back their
  loans and disappear after they graduate.

• They are disappearing because they cant keep
  track of them.
• ACorrect

7
However, these problems actually originate from
the design of the scheme itself. First of all,
there is (82)

• A its not the responsibility a student union.
• B there is no system/mechanism to ensure that
  this doesnt happen.
• C Its not logical for the public to object to
  this.
• D ????
• BCorrect

• 37.
• student union
• no mechanism
• little public support
• too much pressure on students
• to ensure that those who do not pay back their
  loans are unable to obtain credit in the future.

8
Under the current student loans scheme, the banks
(60)

• The previous paragraph said that there is no
  mechanism to ensure those who do not pay back
  their loans are unable to obtain credit in the
  future.
• The reference to banks being profit-driven
  indicates that the answer is either C or D.
• The previous paragraph tells us why the current
  loan scheme affects profits.
• CCorrect

• 38.
• are less willing to hire graduates.
• will go out of business.
• have no guarantee of repayment.
• do not make any money.
• Commercial banks are profit-driven they have
  every right to avoid financing plans that go
  against

9
Commercial banks are profit-driven, they have
every right to avoid financing plans that go
against (51)

• The reference to profits indicates that the
  answer is either C or D.
• Go against
• CCorrect

• 39.
• their legal obligations.
• their moral standards.
• their business interests.
• their financial losses.

10
The main weakness of the scheme is the rigid time
frame for paying back the loans a maximum of
three years. No flexibility is allowed in terms
of (77)

• If the time frame for paying back the loans is
  rigid, there is no flexibility in terms of
• Acorrect

• 40.
• repayment schedule.
• the method of payment.
• cancelling the repayment.
• repaying the loan early.

11
There will be no solution to the problem of
graduate debt (66)

• 41.
• until a new government is elected
• until tuition fees are made more affordable
• while the banks maintain their current attitude
• as it is too widespread
• and more jobs become available for graduates.

• A wouldnt necessarily solve the problem.
• Not C because the use of while implies that
  more jobs would NOT solve the problem.
• D?
• Lower tuition fees would help solve the debt
  problem.
• BCorrect

12
This situation requires strong government
intervention, which could include the allocation
of more financial (72)

• 42.
• incentives
• analysis
• stimulation
• subsidies
• for students.

• B and C dont make sense.
• DCorrect

13
Another possibility would be for the government
to set aside more funds to compensate for losses
incurred by banks (84)

• We already know that banks incur losses because
  many students dont pay back their loans.
• BCorrect.

• 43.
• within six months.
• if students fail to repay loans.
• for those students with top marks.
• in order to boost the economy.

14
A more flexible system should be introduced
allowing loans to be repaid over a longer period
of time. The authorities should (36)

• The use of while tells us that 2 ideas are
  being contrasted.
• The 2nd idea is understanding for students with
  genuine financial difficulties.
• ACorrect

• 44.
• be tougher on students who cheat the system
• be more lenient with poor students
• lower college tuition fees
• create a new student loan scheme
• while also showing understanding to those in
  genuine financial difficulties.

15
Access to higher education is not just a problem
for the students concerned it also affects (67)

• A and D are the only two options related to
  higher education.
• Access to education and quality of education
  are different issues.
• The number of people who are well-educated will
  affect the development of a country.
• ACorrect.

• 45.
• the long-term development of a nation.
• the long-term popularity of the government.
• the long-term profits for major banks.
• the long-term quality of education.