How to Get Student Loans
如何申請學生貸款
Introduction
This report talks about money for college. It explains how students get loans and how other people can help them.
本報告探討大學教育的資金問題。文中解釋了學生如何取得貸款，以及他人如何提供協助。
Main Body
First, students use the FAFSA. This gives them government money and loans. These loans are good for poor students because the cost is the same for everyone.
首先，學生會使用 FAFSA。這能讓他們獲得政府的補助金與貸款。這些貸款對經濟弱勢的學生很有幫助，因為每個人承擔的成本都相同。
Next, some students need more money. They get private loans. They need a co-signer. A co-signer is a person who promises to pay the money if the student cannot pay.
其次，有些學生需要更多資金，因此會申請私人貸款。他們需要一位共同簽署人。共同簽署人是指在學生無法還款時，承諾代為償還款項的人。
Different companies have different rules. Edly lets the co-signer leave quickly. Earnest gives students more time before they pay. Ascent looks at school grades instead of money history.
不同公司的規定有所不同。Edly 允許共同簽署人快速退出。Earnest 則讓學生在開始還款前有更多緩衝時間。Ascent 則是以學業成績而非信用紀錄作為審核標準。
Conclusion
There are many private loans. Co-signers help students get this money.
目前有許多私人貸款選擇。共同簽署人能協助學生獲得這些資金。
Vocabulary Learning
💡 The 'Who does what' Pattern
In this text, we see a simple way to describe people and their jobs. This is a key skill for A2 English.
The Pattern: [Person] → [Action] → [Thing]
- Students → use → FAFSA
- Co-signers → promise to pay → money
- Ascent → looks at → grades
Quick Note on 'Because' We use because to give a reason. It connects two ideas:
Idea 1 (The Result) + because + Idea 2 (The Reason)
Example: "Loans are good because the cost is the same."
Useful Words for Money
- Loan: Money you borrow (you must give it back).
- Private: Not from the government.
- Cost: The price of something.