阅读理解     College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. According to the College Board, average financial aid per full time equivalent student adjusted for inflation, has almost doubled in the last decade. Additionally, not only is the average student debt load higher, but also the number of loans originated increased by nearly fourfold. Thus student lending has increased in breadth as well as depth, doubly impacting the financial situations of those students who must depend on student loans to finance their education.
    Furthermore, these figures no doubt understate the true level of indebtedness incurred by students and their families since some undoubtedly finance part of their education and living expenses through the use of consumer loans, home equity loans or credit cards. Thus, the already huge burden of student loan debt incurred by students and their families is exacerbated by financial obligations from other sources.
    This situation is the outcome of a precarious combination of easy credit, thanks to card issuers who are eager to tap into this lucrative market, financial naiveté on the part of students, and a sense on both sides that, if worse comes to worse, mommy and daddy will step in and set things right. All combine to make credit a tempting lure to students strapped for cash. While credit still remain a virtual element for the financing of many students' education at expensive colleges, its implications must carefully weighed and considered, lest the cash-poor student find himself with more that he bargained for.
    Most students in the United States attend colleges whose tuition does not exceed $15,000, however. Nevertheless, rising prices, combined with stagnant income gains among low-and moderate-income families, have made it difficult if not impossible for a student from a family of such an income level, a student who has the most to gain from a college education, to attend college without significantly adding to the financial burden of his or her family. While student loans still remain a vital element for the financing of many students' education at expensive colleges, its implications must be carefully weighed and considered, lest the cash-poor student find himself with more than he bargained for.
单选题     In Paragraph 1, '... the number of loans originated increased by nearly fourfold' means ______
 
【正确答案】 C
【答案解析】细节题。the number of loans意为“贷款的数量”,originated意为“原来的”,increased by nearly fourfold意为“增加了近四倍”,由此可推断第一段第三句的意思是:此外,不但学生债务的平均值提高了,而且贷款的数量也比原来增加了近四倍。故C项正确。其他选项都理解错误。
单选题     In Paragraph 1, '... student lending has increased in breadth as well as depth' means ______
 
【正确答案】 D
【答案解析】细节题。student leading has increased in breadth as well as depth的字面意思是“学生借款的广度和深度都增加了”,实际上是对上文“学生债务的平均值提高了,而且贷款的数量比原来增加了近四倍”的总结归纳,也意味着学生借款的人数和借的钱都增加了。因此,D项正确。A、B项都是包含部分信息,不够全面;C项的内容与本题无关。
单选题     The main point of Paragraph 4 is ______
 
【正确答案】 A
【答案解析】主旨题。本题考查第四段的中心思想。本段第二句指出:不过,物价上涨,低收入和中等收入家庭的收入一直没有提高,来自这种收入水平家庭的学生以及最能从大学教育中收益的学生,读大学即使可能,也很难不给家庭造成巨大的负担。由此可知,A项正确。B项中的all用词太绝对;C项在文中没有推理依据;D项与第二句内容不符。
单选题     The text is mainly about ______
 
【正确答案】 A
【答案解析】主旨题。文章第一段就指出:现在,大学毕业生离校时不仅拥有毕业文凭,而且承担的债务比历史上任何一时期都多。接下来的几段分析了学生和他们的家庭已承受的巨大的贷款债务负担。由此可知,A项正确。B、C项是第二段中提到的内容,不是文章的中心思想。D项在文中没有涉及。
单选题     The author views student loans as ______
 
【正确答案】 D
【答案解析】态度题。本文最后一句指出:尽管学生贷款仍然是许多学费昂贵的大学的学生筹措教育资金的主要组成部分,还是要仔细权衡和考虑它所涉及的问题,以免缺钱的学生发现他欠的钱比预想的要多。由此可知,作者对学生贷款的态度应该是D项“有用但存在不少问题”。