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36
the maximum yearly loan was 4, 930 pounds inside London and 4,000 pounds
elsewhere. The limit generally increases each year with inflation.
There are two reasons why the loan is so attractive: firstly, the index-linked
interest rate is very low, far lower than you’d get from a bank. Secondly, you
don’t have to start paying it back until you’ve left university and your income
reaches a threshold – currently 10,000 pounds a year, increasing to 15,000
pounds in April 2005. Borrowers then pay 9% of their income above the
threshold. According to the Associate of Graduate Recruiters, the average
starting salary for graduates is 20,300 pounds – form this, after April 2005, the
repayment will be just about 40 pounds a month.
Carmel May, a single mother and clerical worker in Manchester, has done
some research about financial help for her daughter Hannah, who’s 17 now.
Carmel should ensure her daughter is getting all the funding to which she is
entitled. There are no longer automatic grants across the board, but many
categories of students are still eligible and, where the household income is less
than 20,000 pounds, there is no tuition fee. It’s vital that students check every bit
of assistance they’re entitled to, because it can be the deciding factor between
going to university or not.
Answer the following questions:
1. Does it matter when parents start saving for their kids’ education?
Why?
2. What are the possibilities of getting funds?
3. Do you admit taking a loan a reasonable way to get higher
education?
4. Is there anything similar to it in this country?
5. Do young people tend to get higher education? Why?
Now after you’ve considered the pros and cons of different possible ways to get
higher education in Britain, you’re offered to do some more exercises in order to
brush up your English.
What is the effect of “keeps” in this sentence? - Developers have built towering
skyscrapers, but the space crunch keeps getting worse.
If it seems difficult to explain, here’s a tip: “keep” + -ing suggests continuity.
Sometimes “keep on” is used for greater emphasis. A few other verbs require –
ing form after them. They are: admit, avoid, consider, deny, dislike, enjoy,
excuse, finish, imagine, keep, postpone, report, suggest, understand.
Task: respond appropriately using the verbs in brackets.
a) What do you think? Should I try to pass my driving test again? (keep)
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