Debt-Burden-Alters-Outlook-for-US-Graduates

美英报刊文章阅读（精选本）（第五版）UNITTWOLESSONFIVEPARToneQUESTIONSANDANSWERSPARToneQUESTIONSANDANSWERSDoesthe2008financialcrisisinfluencetheuniversitygraduates?1.The2008financialcrisisincreasedtheunemploymentrate,makinguniversitygraduateshardtofindtheirfirstjoborevenlosepartofearningpowerfortherestofthetheircareer.Studentswithdebtmaytakeonanevenheavierburdenastheyhavelessabilitytorepaytheloans.PARToneQUESTIONSANDANSWERSWhatcanbelearnedfromtheresultofRutgersUniversity’sstudy?2.Itcanbelearnedthatthegraduateswhofinishedcollegebetween2006and2011sufferedalotfromthe2008financialcrisiswiththehighunemploymentandreducedwages,andtheyfeltregretfulfortheirpreviouschoices.Theythoughtiftheyhadknownthattheyhadtobearsuchagreatburdenofthestudentloans,theywouldhavemadedifferentchoicesastothemajors,universitiesandjobs.PARToneQUESTIONSANDANSWERSWhydoesChelseaKatzwanttostudybusiness?3.Becauseshethinksthatabusinessmajorgraduatemighthaveabrighterfuture,findingagoodjobandearningmoremoney.PARToneQUESTIONSANDANSWERSWhatconditionsaresqueezingAmericanyoungpeople’sabilitytorepaythestudentloans?4.a.Somegraduatestookthepositionbelowtheirlevelb.ofeducation.b.Somegraduatesearnedlessthanwhattheyexpected.c.Somegraduatehadtoacceptjoboutsidetheirfieldinordertofindwork.d.Theaveragestartingsalarydroppedcomparedwithyearsago.e.Therapidlyrisingtuitionfeessurpasstheincomegrowth.PARToneQUESTIONSANDANSWERSWhydoAmericanstudentshavetoborrowmoremoneytofinishtheirhigher-education?5.Becausethepublicuniversitieshavebeenhitseriouslybydeepcutstothestatebudget,andhadtotransfermoreofthecostburdenontostudentsandtheirfamiliesbyincreasingtuitionandfeesandreducinggrants.PARToneQUESTIONSANDANSWERSWhydoyouthinktheauthorsciteMr.Obama’sspeechinthelastparagraph?6.PresidentObamashowedhissympathyforthegraduateswhoaretrappedindebtsanddifficultiesinhisspeech,andsharedthesameexperienceandfeelingwiththem.SotheauthorsofthearticleciteMr.Obama’sspeechtoreinforcethethemeofthearticle,andatthesametimetogivearayofhopetoencouragetheyoungpeopleoutofplighteventually.PartTwo:AnintroductiontotheauthorsShannonbondisareporterandFT.comeditorinNewYork.ShejoinedtheFT(FinancialTimes)in2008afterreceivingherMDfromNorthwesternUniversity’sMedillschoolofjournalism.ShehasalsowrittenforMarketwatch,PoliticoandUPI.Com.JasonAbbruzzeseiswebeditoratFinancialTimes.AftergraduatingfromBostonuniversitywithadegreeinjournalism,heworkedforthesentinelenterpriseincentralMassachusettesbeforereceivingamaster’sdegreeininternationalaffairsfromtheAustralianNationalUniversity.HethenwroteforShanghaiBusinessReview（《上海商评》）asafeaturewriterbeforemovingtoNewYorkCity.RobinHardingisUSEconomicsEditorfortheFinancialTimes,andcoverstheUSFederalReserveandtheUSTreasury(美国财政部).BasedinWashington,hisbeatincludesuseconomics,financialmarketsandbusiness.HestudieseconomicsatCambrdigeandalsoholdsamaster’sdegreeineconomicsfromHitotsubashiUniversity（一桥大学）inTokyo.Partthree:ItsMainIdeaItintroducestheinfluencesofincreaseddebtonAmericancollegegraduatesanddescribestheprospectsofAmericancollegegraduateswhocompletetheirstudiesin2012andenteredthesocietyinthecontextoftheoutbreakofthefinancialcrisisin2008.PARTFOURREADINGCOMPREHENSIONPARTFOURDebtBurdenAltersOutlookforUSGraduates1.AtuniversitiesacrosstheUS,theclassof2012iscelebratingtheendofcollege.But,fortheestimated1.8mstudentsreceivingbachelor’sdegreesthisspring,thefinancialcrisisthatunfoldedduringtheirfirstyearoncampusin2008isstillcastingalongshadowovertheirfutures.2.Almostfiveyearsafterthecrisisbegan,theoverallunemploymentrateisstillmiredabove8percentwhilethatforrecentuniversitygraduatesisstuckat6.8percent.thefinancialcrisisthatunfoldedduringtheirfirstyearoncampusin2008isstillcastingalongshadowovertheirfuturesfinancialcrisisthathere“that”refersto“theoverallunemploymentrate”.(“that”在这个从句里做主语，指代主句里的主语部分，以免重复。)isstuckatisfixedatPARTFOURFormanyyoungAmericans,thepromiseofadegreehasturnedtodisappointmentastheyfindthemselvesstrugglingtofindtheirfirstjob,stillburdenedbystudentdebt.4.Whatisworse,studiesshowthatgraduatingatatimeofhighunemploymentcanblightayoungperson’searningpowerfortherestoftheircareerandhaveanimpactonthebroadereconomyaswell.5.Inawidely-citedpaper,LisaKahnoftheYaleSchoolofManagementlookedatdatafromtheearly1980srecession,andfoundaone-percentagepointincreaseintheunemploymentrateforcollegegraduatesledtoa6-7percentdropininitialwages.3..thepromiseofadegreehasturnedtodisappointmentastheyfindthemselvesstrugglingtofindtheirfirstjob,stillburdenedbystudentdebttheexpectationofgettingagoodjobaftergraduatingandgettingdegreeshasturnedtodisappointment,becausetheyfinditdifficulttogettheirfirstjob,andcan’tearnenoughmoneytopaybackthemoneytheyhadloanedandtheyarestillunderthepressureofdebts.更糟糕的是，研究显示，在高失业率时毕业会毁掉一个人在以后的职业生涯中的赚钱能力。也会影响总体经济。PARTFOUREven15yearslater,theirwagelosswasastatisticallysignificant2.5percent.6.Seventeen-year-oldChelseaKatz,whoplanstoattendtheUniversityofMarylandintheautumn,saidshetookintoaccounttheeconomyandpossibledebtwhenpickingaschoolandchoosingherdegree.“ForalongtimeIhavewantedtostudybusinessbutd