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  3. The United States Carries Out the New Bill When she graduates from Columbia University next year with a master’s degree in p

The United States Carries Out the New Bill When she graduates from Columbia University next year with a master’s degree in p

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问题                    The United States Carries Out the New Bill
    When she graduates from Columbia University next year with a master’s degree in public health, Erin Wheeler is hoping to get a job in international reproductive health. The 26-year-old post-graduate has always wanted to work in public service. But public service doesn’t pay much, and her two-year program at Columbia costs about $50,000 a year with living expenses. She has a scholarship from Columbia that covers just $ 4,000 a year and has taken out loans to pay for the rest. She worries that she will spend years paying back her student loans and not have money left over to put away in an IRA. Wheeler is wondering what she can do to ease the pain of being in debt, is there anything she can do to handle the debt?
    The good news is that in 2007, Congress recognized that there were so many students in Wheeler’s position that it passed the College Cost Reduction and Access Act, There were two programs established by this act that Wheeler should 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, which goes into effect July 1, could limit his or her annual educational loan debt repayment to 15 percent of discretionary income, said Peter Mazareas, vice chairman of the College Savings Foundation.
    The second is the public service loan forgiveness plan, in which the federal government will forgive the remaining debt of borrowers who make 10-year loan payments while working full time in public-service jobs. But the graduate must have a certain loan which is listed in the plan. Depending on the level of debt Wheeler ends up with and bow much she repays over 10 years, Mazareas said she could end up with about $ 75,000 of her debt forgiven. "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," he said. He also pointed out that public service is broadly defined and includes any government and nonprofit organization job.
Which of the following is true about the College Cost Reduction and Access Act?
选项 A、The programs in the act take effect in 2008.
B、The act aims to help college students who are in debt.
C、There are two helpful programs in the act.
D、The graduates who work in public service benefit the most.
答案B
解析 事实细节题。由题干中的the College Cost Reduction and Access Act定位到第二段第一句。本句说：正因为国会意识到有很多学生的处境和惠勒一样，才会通过这个法案。由第一段的描述可知，惠勒正处在负债读书的处境。因此[B]“法案旨在帮助那些负债的学生”为正确答案。第三段提到法案在7月11日生效，应该是2007年，所以排除[A]；文章提到了法案中的两个方案，但并不能说法案中就只有两个方案，故排除[C]；同样，文章说从事公共服务行业的毕业生呵以亭受很大幅度的贷款减免，但并不能就下结论说从事公共服务行业的学生受益最大，故排除[D]。
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