题目

Ella Wood will graduate from Miami University next year with a master’s degree in public health. she is hoping to get a job in public health. But she has some worries.  Public service doesn't pay much, and her study at Miami University costs about $50,000 a year with living expenses. Ella has a scholarship from Miami University that covers just $4,000 a year and has taken out loans to pay for the rest. She would spend years paying back her student loans and not have money left over.      The good news is that in 2008, Congress recognized that there were so many students in  Ella’s position that it passed the College Cost Reduction Act. There were two programs established by this act that Ella could look into. The first is the income-based repayment plan, which allows lower-income graduates with a lot of debt to reduce their monthly payments. “Depending on a graduate's income and level of debt, the program, could limit her annual educational loan debt repayment to 15 percent of real income.” said Peter William, vice chairman of the College Saving Foundation. The second is the public service loan forgiveness（贷款减免）plan, in which the federal government will  forgive the remaining debt of borrowers who make 10-year loan payment while working full time in public-service jobs. But the graduate must have a certain loan which is listed in the plan. “Typically, it is projected that a borrower who performs public service under this program will repay only about one-fourth to one-half as much money as a borrower who does not,” William said. He also pointed out that public service is broadly defined and includes any government and nonprofit organization job. 21. What might Ella Wood be concerned most when she graduates next year? A. She might not a master’s degree directly. B. She might not find a job in public health easily. C. She had to pay back her scholarship to Miami University. D. She wondered how to ease the pain of being in debt for years. 22. How can Ella benefit from the first program mentioned in the passage? A. The income tax will be cut down. B. One four of debt will be forgiven. C. The total amount of debt will be reduced. D. Ella will have more time to pay back the debt. 23. We can learn from the passage that______. A. every graduate will get a scholarship like Ella. B. graduates who work in public service get the highest payment. C. the federal government encourages graduates to work in public service. D. the College Cost Reduction Act only helps graduates with master’s degree. 24.What’s the main idea of the passage? A. The total expense in American universities is too high. B. The US government is trying to relieve graduates from heavy debt. C. There are a lot of different programs to help students pay their tuition. D. The US government forces all students to choose public-service jobs. 答案：DDCB

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