20．The day the letter arrived from my university telling me how much I owed them for my first semester，I felt a lump forming in my throat．I hadn't even started my degree and already I was in debt．But although the sum was unsettling，I had peace of mind：I had taken out a loan that would cover the next three years of tuition fees and living expenses．
A government body in the UK，the Student Loans Company，provides loans to students whose parents cannot afford to cover the costs themselves．Students forward this amount to the university in advance and agree to repay the loan when they begin their first job．For me，it was a lot of money-around &6，000（60，860Yuan） per year in total-and much more than I had ever been responsible for．I would receive a couple of thousand pounds per semester-half for tuition fees，half for living costs．
Even though I will be paying off my debt for a long time，I don't regret my decision．
Having a loan taught me a lot about money management，which I would not have learned otherwise．Each term I paid my tuition fees in one payment，but I also received my loan for living costs in one payment．It was up to me to organize how I would spend this．
I divided the amount to calculate my weekly budget and it was important that I tried not to overspend．I had to be disciplined and keep a close eye on my expenditure．Food，clothes and going out are the main things students spend money on．
With a loan，students have total financial freedom．Instead ofhaving someone looking over their shoulder，they must make every financial decision for themselves．
This year，university fees were tripled．But when it comes to money management，perhaps this generation will be the smartest yet．
67．How did the writer feel when the letter arrived？D
A．Unsettled． B．Calm． C．Relieved． D．Stressed．
68．Which of the following statements about the loan is right？B
A．It's meant for excellent students．
B．It's well beyond what the author could be responsible for．
C．Students must pay it off as soon as they get a job．
D．Students can receive the money monthly．
69．The student loan has all of the advantages except thatA．
A．It can make students live a comfortable life in university．
B．It can enable students to carry on with their study．
C．It can teach students to spent money wisely．
D．It can help to reduce family burden．
70．What does the underlined part"having someone looking over their shoulder"mean？C
A．to look after you carefully B．to rely on them heavily
C．to watch over you closely D．to spy on you skeptically．
分析 本文主要讲述现在大学的费用越来越高，但是作者申请了贷款，并且叙述了贷款的好处．
解答 DBAC
67 D 细节题． 根据文章第一 段The day the letter arrived from my university telling me how much I owed them for my first semester，I felt a lump forming in my throat． 可知作者收到大学来信的时候，感觉喉咙像被堵住一样，故选D．
68 B 细节题． 根据文章第二 段 it was a lot of money-around &6，000（60，860Yuan） per year in total-and much more than I had ever been responsible for．可知每年60860元的贷款是作者不能承担的，故选B．
69 A 细节题． 根据文章倒数第二 段I divided the amount to calculate my weekly budget and it was important that I tried not to overspend． 可知尽管作者有贷款，但是也不能过度消费，因此大学生活不会那么舒服，故选A．
70 C 猜测词义题． 根据文章最后一段Instead ofhaving someone looking over their shoulder，they must make every financial decision for themselves．可知他们可以在不被人监督的情况下自己做出金钱方面的决定，故选C．
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