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美国助学贷款新议案:私人贷款商被禁止发放助学贷款

kira86 于2010-04-15发布 l 已有人浏览
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New US Law Cuts Out Private Lenders for Student Loans高速下载 This is the VOA Special English Education Report
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New US Law Cuts Out Private Lenders for Student Loans


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This is the VOA Special English Education Report.

Today we talk more about the costs of higher education in the United States. If you missed last week's report, you can find it at EN8848.com.

Foreign students who need financial aid generally have to seek it from the school itself or their own government or employer.

If you follow the news, then you know that President Obama recently signed health care reform legislation. But one of the two bills he signed into law also made unrelated changes in the federal student loan program.

These changes will require new loans to come directly from the Department of Education. The department already makes these federally guaranteed loans for American citizens and permanent legal residents.

But since nineteen ninety-three it has also paid private lenders to provide them. Now, as of July first, all new loans will go though the direct loan program only.

Officials say the new law will save the government sixty-one billion dollars over ten years. The plan is to use more than half the savings to provide more federal Pell Grants to needy students. A few billion will also go to schools that traditionally serve minorities and to help two-year community colleges.

David Baime is a senior vice president of the American Association of Community Colleges.

DAVID BAIME: "Everybody in higher education benefits from almost all of this bill."

The new law will reduce the most that borrowers must repay each year from fifteen percent of their income to ten percent. And the longest repayment period will be shortened from twenty-five years. Any remaining debt will be forgiven after twenty years -- or ten if borrowers enter public service.

Supporters in higher education said the final bill did not go far enough. Republican opponents called it an unnecessary government takeover of a private industry. Another criticism was that the financial services industry could lose about thirty thousand jobs.

The Department of Education reported last year that about two-thirds of graduates from four-year colleges had student loan debt. The average was about twenty-three thousand dollars.

And that's the VOA Special English Education Report, written by Nancy Steinbach. You can discuss education and other subjects on our Facebook page at VOA Learning English. And you can find transcripts and podcasts at EN8848.com. I'm Steve Ember.

美国参议院周四投票通过了一项助学贷款业大规模改革议案,此举可能会给自克林顿(Clinton)执政时期以来的大学助学贷款运营方式带来最剧烈变革。

根据提议,所有私人贷款商都将被禁止发放助学贷款,而联邦教育部(Department of Education)将取代私人机构通过一项ZF支持项目成为唯一的助学贷款发放方。

整个议案在提交给美国总统奥巴马(Barack Obama)签字生效前还需要再提交给众议院批准。众议院计划周四晚些时候审议该议案,民主党领袖已经表示了对该议案将获得批准的信心。

停止私人机构发放助学贷款后,联邦ZF将不再向发放贷款的银行支付费用,根据美国国会预算办公室(Congressional Budget Office)的估算,未来10年,这将给纳税人节省680亿美元开支。

节省下的开支将被用于提高对困难学生的助学金,此外还会将拿出100亿美元用于弥补财政赤字,拿出91亿美元用于支持医疗保险计划。

该法案将于7月1日生效,部分大学及学院认为这一决定过快,以致于其很难在短期内完成从联邦ZF获得全部助学贷款的过渡。

贷款商们极力反对这些改革,称他们在处理助学贷款方面的效率更高。在联邦ZF完成助学贷款发放后,私人贷款商仍可以竞标对助学贷款的管理权。

贷款商们还警告称该法案会带来大量失业,部分人士预计该法案将在全美范围内造成3万人失业。

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