题型:阅读理解 题类:常考题 难易度:普通
江苏省扬州市2019-2020学年高三下学期英语3月调研测试
If Thelma Richards continues to pay $917 a month, every month, for the foreseeable future, she'll pay off her student loans by the end of 2042. The problem is, by then she'll be 87 years old. "I don't think I'm going to live that long," she says, laughing. "I'm not joking!" Richards, 65, who lives in Little Falls, N.Y., represents a growing number of older Americans, who are now more likely than ever to hold student debt well into retirement age. According to a January report from the U.S. Consumer Financial Protection Bureau (CFPB), the number of Americans aged 60 and older carrying student debt doubled in the past five years.
The rapid rise in older Americans taking on student loans has two main causes. The first is that parents and grandparents are co-signing loans to support the younger generation. The second is that older Americans are increasingly taking student loans for themselves. With blue-collar jobs decreasing, people in their 40s and 50s are going back to school to acquire new skills.
Richards, for example, who worked as a waitress while raising three children as a single mom, went back to college in her 40s to earn a degree in occupational treatment. While her new profession produces a higher income and health care benefits, it has also left her with a lifetime of debt. Trends leave older borrowers in a bind. They have less time in the workforce and are more likely to become ill, often in a weaker position to pay back loans. Making monthly payments on a fixed income is also more difficult than it is for younger borrowers, whose incomes are more likely to grow.
According to the CFPB report, more than a third of those aged 60 and older with student debt had given up medical care to afford their loan payments. And there's no way out. Robert Farrington, the founder of the website the College Investor, says one main piece of advice for older borrowers is simply to avoid any loan that isn't repayable in 10 years. "Remember," he says, "if you don't pay, they'll come after you."
Zero Waste Awards
Who should enter?
Entries(参赛作品) are welcomed from anyone who processes waste. While we expect
most entries to come from the UK, we welcome international entries, too. Entrants have been split into the following groups: private sector, public sector, community sector and partnerships.
What are the categories?
There're five categories which are based on the Waste Hierarchy(层级). We appreciate that companies will have different strengths within those categories as they work towards Zero Waste. The broad categories are: waste prevention, re-use, recycle/recover, energy recovery, general.
How do I enter?
Submitting an entry is really easy! Just follow these few simple steps:
1) Carefully read through the category information;
). Write your entry--it should be a maximum of 1,500 words and a word document;
3) Arrange your supporting material into a single document--maximum six pages long;
4) Complete the simple online entry form.
Important dates
While entries are welcomed all year round, these are key dates—this is to give the judges plenty of time to read through all the entries! These are listed in entry deadlines column below. Don't worry if you have just missed one of the entry deadlines, your submission will be automatically entered into the next session.
Entry deadlines | Judging dates | Awards presentation dates |
1st March | 12th March | 4th April |
1st June | 12th June | 4th July |
1st Sept. | 12th Sept. | 4th Oct. |
1st Dec. | 12th Dec. | 4th Jan. |
You can submit a maximum of two entries per year—six months apart.
Awards
We understand that working towards Zero Waste is an ongoing journey and as such the
Zero Waste Awards scheme offers organizations a structure to celebrate their progress along the way. The four awards are: Gold (76-100), Silver (51-75), Bronze (26-50), Highly Commended(0-25).
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