问答题 Applying for your student loan can take up to (11) 1 to process, you can specify whether you wish to receive the (12) 2, or to give you (13) 3, one each term. If you think you are likely to spend too much money in the first term, you should seriously consider the payment in (14) 4. Most banks now offer (15) 5of up to a few hundred pounds to all students. Applying for your student loan can take up to (11) 6 to process, you can specify whether you wish to receive the (12) 7, or to give you (13) 8, one each term. If you think you are likely to spend too much money in the first term, you should seriously consider the payment in (14) 9. Most banks now offer (15) 10of up to a few hundred pounds to all students.
It is well known that grants for students are being reduced drastically every year, and the current level of grant, even when supplemented by the student loan, is barely sufficient to provide a satisfactory standard of living. Some say that''s what student life is all about; learning to live cheaply, without all the comforts of most home environments. It is a sad fact, however, that an increasing number of students are quitting their courses for the simple reason that they cannot live on the money provided by the government. When applying for your student loan, which you should do as soon as possible, as it can take up to five weeks to process, you can specify whether you wish to receive the whole amount immediately, or to have it divided up and given to you in three payments, one each term. If you think you are likely to spend too much money in the first term, you should seriously consider the payment in installments option, since spending the third term without any money is no fun at all, especially when the end of exams celebrations come around. Most banks now offer interest-free overdrafts of up to a few hundred pounds to all students. Try to think of this option only as a last resort if you are really short of cash. Obviously the overdraft needs to be paid back at some stage, which can be difficult if you have no other source of finance other than your grant and student loan, and the banks tend to hassle you about your plans for repaying the money every month or so whilst you are in the red. You will, no doubt, have been bombarded by many wonderful offers from various banks, trying to get you to open a new student bank account with them. Try to ignore the tempting offers of ten pounds worth of record vouchers, or as many odor eaters as you can get through in one year, that the banks use as a hook to get you to open the account. Look instead at the services that bank provides — do they have a cash machine near your university, or near where you will be living? Will the staff at the bank be prepared to discuss your money matters with you free of charge if you run into difficulties? These things are much more important than the silly free offers, as your account will most likely be with you throughout your student life. The main thing to remember throughout higher education, and indeed throughout your life, is that if you are having any problems with money, go and see your bank manager. He or she will be able to talk through with you ways that you could budget better and may arrange a short-term extension to your overdraft to get you out of an immediate money problem. Doing either of these things at most banks will inevitably incur an unreasonably large ''administrative charge''.