Although parents can opt for private funding through sources like banks and other financial institutions,the rates of interest can be prohibitively high in most cases.On the other hand,the interest rates of federally funded student loans are much less in comparison.It is therefore imperative that parents take all steps necessary to apply for student loans available through the federal government. Federal Student Aid is actively involved in educating students and their families on the exact procedure to obtain student loans.Once the applications are received,it processes them by the millions before the start of each academic year.It also pays out billions of dollars through schools to fund the education of students who have applied for financial aid.
The first step in applying for financial aid is to fill and submit the FAFSA or Free Application for Federal Student Aid.The name of the student should be entered exactly the way it is written on the student’s social security card.The format used is”first name”,”middle initial”and”last name”.Since the analysis bureau will be linking up the FAFSA with the social security number,the names should match precisely for the application to be approved.A mismatch in the names could result in the applicant being sent back for correction.This would cause a delay and end up pushing the applicant to the back of the line.Since most financial aid is provided on a first-come -first-served basis,it is important to be at the head of the line.Even a minor error on the FAFSA can result in a loss of thousands of dollars in financial aid.
Therefore,it is important that families have all the proper income and tax records ready before applying for financial aid.This will help avoid submitting inconsistent,incomplete or mistaken information while filling out the FAFSA forms. The CSS PROFILE is the FAFSA equivalent that is most often required for aid through private universities.It could be a little more complicated than filling out the FAFSA form.Going through the entire process with the help of a certified college planner would be a good idea. No matter what their credit rating,parents should still submit their applications for financial aid.Learning about the different options available to them is the first step in the process.Doing it right will enhance their chances of getting student loans for their chi1dren’s higher education.
11.Federal Student Aid provides student loans for______.
A.high school education B.secondary education C.higher education D.pre-secondary education
12.Federally funded loans are preferred to private funding for______. A.their easy accessibility B.Their high reliability C.their lower interest rates D.their wide availability 13.Federal Student Aid educates students on______.
A.how to apply to ideal universities B.how to obtain student loans
C.how to process the applications D.how to meet their financial needs 14.The first step in applying for financial aid is to______.
A.fill out and submit application forms B.apply for a social security number C.enter the applicant name in the right format
D.submit all the proper income and tax records
15.To succeed in applying for student loans,you are advised to______.
A.enhance academic performance B.resort to a certified college planner C.avoid submitting a CSS PROFILE D.turn in income and tax records afterwards 第三部分：概括段落大意和补全句子
阅读下面短文，请完成短文后的2项测试任务：（1）从第16到20题后所给的6个选项中为第①-⑤段每段选择1个正确的小标题；（2）从第21-25题后所给的6个选项中选择5个正确选项，分别完成每个句子。
Identity Theft
①College students have a lot to worry about:tests,quizzes,homework,organizations,and jobs.One thing they might not think they should worry about is identity theft.Identity theft is actually a big problem on college campuses and students are easy targets.Knowing how to protect yourself against identity theft is the first thing you need to do for yourself.
② One of the major reasons why students are targets is because they are naive.Many students don’t know or don’t realize the dangers of giving out their personal information unless they have already been through it or they are older.A majority of the time,students get sucked into getting free stuff just for applying for a credit card.Students are one of the easiest targets for scammers(骗子).In order to protect yourself from having your identity stolen,you need to understand how scammers get your personal information.
③ For students,being frugal is just about a must.One of the costs they may skimp on is paying for their own Internet.Instead,they will log on to someone else’s WiFi or an unsecured network.While this may cut down on costs while you are in college,there is a chance that someone will be able to get your personal information.These unsecured networks may be full of people who are simply sitting and waiting for you to log on to your bank account,shop online,apply for a job online,or apply for a credit card online.If you are going to shop online or do any of the previously mentioned activities,make sure you are on a secured network that has the proper privacy settings.
④Something that students may not think about is shredding(撕碎)their documents.It is very easy for anyone to have their identity stolen if they don’t shred important documents,bills,or even credit card offers.You should always shred anything that has any type of personal information,especially those with account numbers,your social security number,or even your birthday.If you get a credit card offer saying your name,stealing your identity. ⑤ While you have many things to think about while in college,you should always think about the information you are giving out.Remember never to give out your bank account information or PIN(personal identification number),even to a friend.A1so,watch out for scams(骗局)like signing up for a credit card to get a free shirt;your identity may not be stolen fight away,but that information could be used in the future.Shred any and all personal documentation before throwing it away.Moreover,when you do shred your documentation,make sure it can’t be put back together. Task 1