Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.
“I have two kids in college, and I want to say ‘come home,’ but at the same time I want to provide them with a good education,” says Jacobs.
The Jacobs family did work out a solution: They asked and received more aid from the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.
With unemployment rising, financial aid administrators(管理者) expect to hear more families like the Jacobs. More students are applying for aid, and more families expect to need student loans. College administrators are concerned that they will not have enough aid money to go around.
At the same time, tuition（学费）continues to rise. A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%. Student borrowing has more than doubled in the last decade,
“If we go on this way for another 25years, we won’t have an affordable system of higher education,” says Patrick M. Callan, president of the center. “The middle class families have been financing it through debt. They will send kids to college whatever it takes, even if that means a huge amount of debt.”
Financial aid administrators have been having a hard time as many companies decide that student loans are not profitable enough and have stopped making them. The good news, however, is that federal loans account for about three quarters of student borrowing, and the government says that money will flow uninterrupted.
【小题1】How did the Jacobs manage to solve their problem?

Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.

“I have two kids in college, and I want to say ‘come home,’ but at the same time I want to provide them with a good education,” says Jacobs.

The Jacobs family did work out a solution: They asked and received more aid from the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.

With unemployment rising, financial aid administrators(管理者) expect to hear more families like the Jacobs. More students are applying for aid, and more families expect to need student loans. College administrators are concerned that they will not have enough aid money to go around.

At the same time, tuition（学费）continues to rise. A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%. Student borrowing has more than doubled in the last decade,

“If we go on this way for another 25years, we won’t have an affordable system of higher education,” says Patrick M. Callan, president of the center. “The middle class families have been financing it through debt. They will send kids to college whatever it takes, even if that means a huge amount of debt.”

Financial aid administrators have been having a hard time as many companies decide that student loans are not profitable enough and have stopped making them. The good news, however, is that federal loans account for about three quarters of student borrowing, and the government says that money will flow uninterrupted.

1.How did the Jacobs manage to solve their problem?

2. Financial aid administrators believe that ______________.

3.What can we learn about the middle class families from the text?

4.According to the last paragraph, the government will       ____.

（2011·山东卷）C

  Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old twin sons: a combination of savings, income, scholarships, and a modest amount of borrowing. Then her husband lost his job, and the plan fell apart.

  “I have two kids in college, and I want to say ‘come home,’ but at the same time I want to provide them with a good education,” says Jacobs.

The Jacobs family did work out a solution: They asked and received more aid from the schools, and each son increased his borrowing to the maximum amount through the federal loan (贷款) program. They will each graduate with $20,000 of debt, but at least they will be able to finish school.

    With unemployment rising, financial aid administrators expect to hear more families like the Jacobs. More students are applying for aid, and more families expect to need student loans. College administrators are concerned that they will not have enough aid money to go around.

    At the same time, tuition（学费）continues to rise. A report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439% from 1982 to 2007, while average family income rose just 147%. Student borrowing has more than doubled in the last decade,

    “If we go on this way for another 25years, we won’t have an affordable system of higher education,” says Patrick M. Callan, president of the center. “The middle class families have been financing it through debt. They will send kids to college whatever it takes, even if that means a huge amount of debt.”

    Financial aid administrators have been having a hard time as many companies decide that student loans are not profitable enough and have stopped making them. The good news, however, is that federal loans account for about three quarters of student borrowing, and the government says that money will flow uninterrupted.

67. How did the Jacobs manage to solve their problem?

    A. They asked their kids to come home.

    B. They borrowed $20,000 from the school.

    C. They encouraged their twin sons to do part-time jobs.

    D. They got help from the school and the federal government.

68. Financial aid administrators believe that _______.

    A. more families will face the same problem as the Jacobses

    B. the government will receive more letters of complaint

    C. college tuition fees will double soon

    D. America’s unemployment will fall

69.What can we learn about the middle class families from the text?

A. They blamed the government for the tuition increase.

B. Their income remained steady in the last decade.

C. They will try their best to send kids to college.

D. Their debts will be paid off within 25 years.

70.According to the last paragraph, the government will       .

A. provide most students will scholarships

B. dismiss some financial aid administrators

C. stop the companies from making student loans

D. go on providing financial support for college students

HARVARD UNIVERSITY
                                 
Office of Admissions
Financial Aid
Our goal in admissions and financial aid is clear: We want to bring the best people to Harvard, regardless of their ability to pay — and we do. About 70 percent of our students receive some form of aid, with over 60 percent receiving need–based scholarships.
Two principles guide us:
· Admission to Harvard is need-blind, by which we mean that financial need is not a barrier to admission. International students have the same access to financial aid as United States citizens.
· Financial aid at Harvard is entirely need–based and we are committed to meeting the demonstrated need of all students. Students apply for aid annually and every year we review our financial aid program, considering such things as any changed student or family circumstances, university resources, and demand.
Removing Economic Barriers
In the past decade we have increased financial aid for low and middle income families by over 180%. No contribution is expected from parents with incomes under $65,000. Beginning with the class of 2016, those parents with annual incomes between $65,000 and $150,000 are asked to contribute from zero to ten percent of their income. Some families with incomes above $150,000 still qualify for aid. Families at all incomes who have significant assets（资产）will continue to pay more than those in less fortunate circumstances. Students are also asked to contribute to the cost of their education through term-time and summer work.
Families with higher incomes facing unusual financial challenges may also qualify for need–based scholarship assistance, yet those with significant assets at all income levels are asked to contribute proportionately（成比例的）more.
Our financial aid program includes an array of financing options beyond our need–based scholarship program, such as a parent monthly payment plan, various loan programs and the opportunity to pre–pay tuition for four years at a student’s freshman year rate.
There are also other forms of financial assistance such as the Faculty Aide Program, the Harvard College Research Program and the Dean’s Summer Research Program that enable students to create paid partnerships with teachers on academic projects of mutual interest. Over two-thirds of Harvard students choose to work during their time in Cambridge and gain valuable job experience working in a wide array of University settings, including our libraries, dining halls, museums and academic departments.
We hope you will visit our websites for a fuller description of our comprehensive program of financial assistance.
【小题1】Admission to Harvard is need-blind in that _______.