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  3. PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially

PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially

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问题     PLUS loans are approved for some parents who cannot afford to repay them, several college financial aid officers and financially strapped parents say. They hold the view that many financially strapped and unsophisticated parents may be taking PLUS loans to help their children out now, not realizing that how much trouble awaits them if they start missing payments.
    The Department of Education says it is simply awarding PLUS loans according to the rules set by Congress: Federal law "provides no authority for the Department to deny an applicant a PLUS loan based on their perceived ability to repay the loan," a department spokesman explained via E-mail. Instead, parents can borrow as long as they don’t have what the law calls " adverse credit. " That low standard only cuts off parents with serious credit problems such as a bankruptcy, lien or foreclosure in the last five years, or a bill currently more than 90 days overdue.
    Because no one knows how many parents are taking college loans they can’t afford, there is debate over how big—or small—the problem might be.
    Nancy Lynn Hoover, director of financial aid at Denison University, thinks very few parents are getting in over their heads. She said many college aid officers may have noticed a difference in approval standards this year because on July 1, the federal government took over handling of all federal college loan applications. Before that, private banks, many of which had tougher lending standards for PLUS loans, were paid by the government to process most federal college loan applications. " I personally have mentored over 100 schools’ switch to the federal loan management system," Hoover says. " If it were a situation of much magnitude, I believe I would hear it. "
    But even a few loans to parents who can’t afford them at each of the more than 4,000 colleges in the U. S. would mean financial crises for thousands of families. Last fiscal year, about 737,000 parent PLUS loans were approved, out of an estimated 1.1 million applications. If a similar number apply this coming year, and the government continues its current policy, it will likely approve 825,000 parent PLUS loans.
    Sarah Bauder, assistant vice president of enrollment services and financial aid at the University of Maryland, said the PLUS approval rate for parents of her students has jumped from about 80 percent to 97 percent since the switch to the federal direct lending program. She says she knows at least a few of the parents who have been approved are jobless or teetering on the edge of bankruptcy. " Look at the housing market scenario. Five to seven years down the road, we’re going to be in the same situation for parent loans," Bauder warns.  
By citing Sarah Bauder’s point of view, the author intends to______.
选项 A、analyze the consequences of taking loans
B、discuss the possible development of PLUS Loans
C、exemplify people’s anxiety about PLUS Loans
D、contrast the approval rates in the recent two years
答案C
解析 篇章题。本题考查考生对议论文谋篇结构的理解。从结构上看，自第四段开始，作者对追加贷款的放贷问题进行正反两方面观点的论述，第四段为支持方观点，而第五段和第六段为反对方观点，其中第五段采用引用数据的方法，而第六段则引述代表性的观点，其目的都是作为例证，支持反方的观点，故[C]项表述正确。追加贷款的政策改变，标准放宽时间尚短，原文只是提到各方对此的观望和看法，事情还没有结果，也谈不到进行分析，故排除[A]项。[D]项混淆了写作的内容和目的，文中虽然对获准率进行了对比，但是写作目的并不在此，故[D]项也排除。[B]项较有迷惑性，虽然Bauder在本段最后说了自己对前景的预测，但其暗含意思仍是在表达担忧，而不是在探讨这项贷款未来的发展，故也可排除[B]项。
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