1、Unit1Clip11.7000 dollars a year： a four-year public college for in-state students2.18000 dollars a year：a four-year public college for students from other states or international students3.10000-12000 dollars a year：food, housing, books and supplies4. 26000 dollars a year： average tuition at a priva
2、te college5. 2500 dollars a year： average tuition at a community college6. 9000 dollars a year： in-state graduate program Clip 21.According to the dialogue,parents have to be independently wealthy to pay for their kids college education.What are the factors leading to this problem?High tuition fees
3、and in some cases more than one kid.2. What is parents hard choice and what are the possible consequences of each option?The choice is between funding their retirement or sending their kid to college. And both can have enormous implications on their futures. If parents arent funding their retirement
4、 they have problems down the road. If the kids have to take out loans for their college education, then theyre left with a huge debt at the end.3. What do schools imply when they call themselves “need-blind”?They will take any applicant regardless of his or her ability to pay.4. What do the packages
5、 offered by schools consist of? What are the differences between categories of money awarded?Package usually consists of grants and funds, work-study, a mosaic of different moneys.Grant: In a grant a student is not paying it back; its basically like a scholarship. Work-study program: It is essential
6、ly where the student will have to work while hes studying and some of that money that he earns helps pay for his books or other living expenses that hell have.Loans: Students borrow that money and then at the end of school they pay that money back.5. What is wrong with the myth about federal loans a
7、mong students and their parents? What are the loans that the students and parents can apply for?Theres a myth that if you dont apply for those loans at the start of the year the supply runs out. But the federal government is always there to offer loans to families that need them.Students can borrow
8、what are called Stafford loans and parents can borrow what is called a Plus loan to cover the rest of that expense for them.6. Why is college education regarded as a good investment?Studies show that over a lifetime, a college graduate earns one million dollars more than just a high school graduate.
9、Clip 3Exercise 1You will need:Internet accessInformation on aid, scholarships, and loansHealthy debt-management habitsThe steps are:Step 1: Apply for federal aidStep 2: Search for scholarshipsStep 3: Apply for a federal loanStep 4: Seek private lendingStep 5: Understand the debt youre taking onStep
10、6: Pay it off earlyExercise 21)A student loan should be the first option when a student thinks about getting money for his/her college education. F 2)How much financial assistance a student can get is determined by his/her Estimated Family Contribution. T 3) If a student is athletically competitive,
11、he/she is likely to succeed in getting a scholarship. T 4) If a student wants to save money by fixed interest rates,a need-based loan is an ideal choice. T 5) Responsible repayments habits can help a student to apply for a private loan and reduce interest rates. T6) A student borrower can lower inte
12、rest rates through better debt management habits. TClip 41）get into an Ivy League college2）major in business when you get there3）facts4）Ivys5）lifetime earnings6）have a lock on7）earning power8）chemical engineering9）measuredClip 5Exercise 11) Why do many people say no when asked whether the large amou
13、nt of money put in college education can pay off in higher lifetime earnings? They cite a famous study which looked at students who had been accepted to colleges with high SAT scores but ended up going to schools with lower scores. It found that 20 years later those students were making just as much
14、 money as peers who did go to the more selective colleges.2)Why is the result of the 1998 study so unconvincing in breaking the myth that selective colleges are worth the cost?Because if you define selective by something other than SAT scores the graduates of the more selective schools did seem to have an advantage in lifetime earnings.3)What does the speaker imply at the end by saying that it is not crazy to pay for the elite colleges? Elite colleges are worth the cost.
