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  3. Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013.

Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013.

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问题     Laura Strong, a 29-year-old in suburban Chicago, owes $245,000 on student loans for the psychology Ph. D. she finished in 2013. This year, she says she hopes to earn $ 35 ,000 working part-time jobs as a therapist and yoga teacher—not enough to manage a loan payment of about $ 2,000 a month. But Strong isn’t paying anything close to that. She’s one of at least 3. 8 million Americans who’ve qualified for federal programs that tie payments to income and eventually forgive debt for some struggling borrowers , leaving taxpayers to pick up the tab.
    President Obama has praised the programs for offering a lifeline to borrowers who’d otherwise default, scarring their credit. Strong pays about $ 100 a month on her federal loans, which she used to finance her graduate studies at Argosy University. " I wouldn’t know how I would pay it back otherwise, she says.
    Income-based repayment was introduced under President Clinton, but the programs weren’t heavily promoted until late 2013, when the Obama administration began sending e-mails to borrowers, telling them, " Your initial payment could be as low as $ 0 a month. " The number of people using these plans has quadrupled since 2012. About half of outstanding balances in the Department of Education’s Grad Plus loans, which finance advanced-degree studies, are in income-driven plans. Most borrowers in the programs have payments capped at 15 percent of income, with allowances for housing and other expenses. In December the Obama administration is expected to expand the number of borrowers eligible for a payment cap of 10 percent. Secretary of Education Arne Duncan said the plans protect people going into socially valuable but low-paying lines of work from crushing debt. " That’s good for them. That’s good for our economy. It’s good for our society," he said.
    Critics say the plans are a hidden subsidy to well-off students and colleges, which can justify tuition increases by reassuring students that they may not have to repay their debt. In a seminar at Georgetown Law, Charles Pruett, assistant dean for financial aid, was captured on video telling alumni they could "ignore" debt balances if they spent 10 years in government or nonprofit jobs, which would qualify them for early loan forgiveness. Pruett says Georgetown promotes the programs to encourage graduates to take public-service jobs. "It’s an earned benefit, not a giveaway," he says.
    Borrowers hold $1.2 trillion in federal student loans, the second-biggest category of consumer debt, after mortgages. For taxpayers the loans are " a slow-ticking time bomb," says Stephen Stanley, a former Federal Reserve economist.
Some borrowers don’t need to pay their loans if______.
选项 A、they can meet the requirements of federal programs
B、their income cannot cover their monthly loan payment
C、they leave their debt to taxpayers
D、they have personal financial difficulties
答案D
解析 细节题。根据题干定位到第一段。关键句:．．．eventually forgive debt for some strugglingborrowers，leaving taxpayers to pick up the tab．“最终一些处境艰难的贷款者则不需要偿还贷款，由纳税人替他们买单。”[D]选项“某些个人经济状况不好的贷款者最终可以免偿贷款"符合题意，因此该选项正确。[A]选项“符合联邦计划的要求”不表示最终可以免偿贷款，可排除。每月收入不足以偿还贷款的借款者，如果符合联邦计划的资格，其每月应偿数额应该是可以以其收人为基础的，这也不能保证他们最后就不需要还款了，所以[B]选项错误，可排除。[C]选项“他们将债务转移给纳税人”在原文中并没有涉及到，故可排除。
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