General Training Reading Sample 10

STUDENT LOANS

The Government has been funding a loans scheme for students in Higher Education since September 1990.
 
These loans are available as a ‘top up’ to the standard grant. Although the loan is intended to supplement the grant for living costs, eligibility for a student loan is not restricted to those who receive a maintenance grant. The decision whether or not to take the loan is yours.

Eligibility
You are eligible for a student loan if you are a UK resident and are attending a full-time Higher Education course, below postgraduate level, or a Postgraduate Certificate in Education course, provided you start your course before your 50th birthday. Full-time courses last at least one academic year and include sandwich courses which combine time at college with time spent in a workplace.
 
Eligible courses are offered by colleges, universities, the Scottish grant-aided colleges and other publicly funded institutions providing Higher Education courses.
 In general, eligible courses include first-degree courses or their equivalents and any other courses for which your Local Authority will pay your tuition fees.
 
Your financial circumstances
Students who want loans are not ‘means tested’ or ‘credit vetted’ - all those eligible will obtain a loan. This means that:
    • The amount of your maintenance grant or tuition fees does not matter.
    • Other income, if any, is not taken into account.
    • Any previous student loans are not taken into account.
    • The income of your parents, spouse, partner or other relatives is not taken into account.
    • Your previous financial record is not a consideration.
 
When to apply for a loan
If you would like more information on how to apply for a student loan in readiness for your entry to Higher Education in Autumn 2003, then you should contact The Student Loans Company from June 2003 onwards. Once in Higher Education, you can apply for a loan at any time in the academic year.

Questions 20-27
It is possible for some students in Higher Education in Britain to borrow money through a
government scheme. These loans are called ‘student loans’ and are described in the passage 10 .

Read the passage and answer the questions 20-27 below.

In boxes 20-27 on your answer sheet write-
Y     if the answer to the question is ‘yes’
N     if the answer to the questions is ‘no’
NG  if the information is not given in the passage

 

Example                                                                                                                         Answer

I’m a full-time student at a local college of Higher Education.
I already get a  standard maintenance grant. Does this mean                             NO
I’m not eligible for a student loan?      

 

 

20. I’m taking a month’s cookery course at a local college. It’s a private catering college. I’m going a couple of evenings a week, after work. I get a diploma at the end of it. Can I get some help with a student loan?

21. I’m starting a foundation course in September. It’s full time and after a year I hope to get on to a degree course. The fees for the actual course are being paid for by my Local Authority. Am I eligible for a student loan?

22. I finish my first degree in July. I’ve got a place on a Postgraduate Certificate in Education course to start in September. Will the Local Authority pay the tuition fees for this course?

23. Now all her children are grown up my mother says she’d like to finish the studies she was forced to give up earlier in life. She’s 48 now and her course is full-time for a year. Is she too old to get a student loan?

24. I’ve already been given a small scholarship to cover some of my tuition fees. Can I still get a student loan?

25. I’m actually staying with my aunt while I’m at college. Will the Student Loans Company want to know how much she earns?

26. I owed the bank rather a lot of money a few years ago. It’s all paid back now but they won’t lend me any more. Will this disqualify me from getting a student loan?

27. I took a course a couple of years ago, got a student loan, but had to withdraw half-way through. I’ve kept up all my payments on my loan. Am I eligible for a second loan?

Click the button to Show/ Hide Answers.

1 1 1 1 1 1 1 1 1 1 Rating 2.57 (7 Votes)

Comments   

+2 # Oss 2016-09-15 06:22
Why is number 22 NG? It should be Y. He is a postgraduate student, applying in September which is in Autumn after June.
Reply | Reply with quote | Quote
0 # Vijay 2016-12-01 08:58
The question is - "will the local authority pay the tuition fee"? The passage says loan will be given for first degree or equivalent for which local authority is ready to pay the fee." It does not specify the list of course which local authority is paying the fee for.
Reply | Reply with quote | Quote
+2 # Mithun 2016-08-22 17:40
Why 24 is 'Y'? It should be 'NG'.
Reply | Reply with quote | Quote
0 # Ash 2016-07-15 12:49
It's one of the best one!!
Reply | Reply with quote | Quote
+2 # Muhammad Haroon Rashid 2016-06-02 17:35
Why 23 is No? As mentioned in the passage that you can avail before your 50th birthday???
Reply | Reply with quote | Quote
+1 # Ami 2016-07-13 11:49
As mentioned in the question that "Is she too old to get a student loan", that is why the answer is No.
Reply | Reply with quote | Quote
+1 # Umair 2016-04-21 20:41
Hi all, answer for number 22 is "NG" because she mentioned the dead line i.e "September" for payment. otherwise this statement was true. Right? Just wanted to know if I am getting it in right way or not..!!
Thanks
Reply | Reply with quote | Quote
+1 # Teja 2016-04-29 21:26
Hello Umair, I guess there is nothing to do with the "September" its because in the reading passage the local authority pays for other courses which may or may not include a second degree.
Reply | Reply with quote | Quote
+1 # Thogin 2016-04-29 10:26
No, that is not why it is NG. Will the Local Authority pay the tuition fees for this course? This is the sentence why it is NG. It is asking about if the Local Authority will pay for the course. It says nothing about loan.
Reply | Reply with quote | Quote
-1 # Kevin Wang 2016-07-22 07:51
I think you are right; that is the reason.
Reply | Reply with quote | Quote
0 # Zeki 2016-02-02 17:30
Last one is NG. Because there is no information about this statement and it should be NG.

Thanks,
Reply | Reply with quote | Quote
+1 # Jane 2016-03-01 21:45
Quoting Zeki:
Last one is NG. Because there is no information about this statement and it should be NG.

Thanks,



The answer is Y because she just described her previous student loan history ''I took a course a couple of years ago, got a student loan, but had to withdraw half-way through. I’ve kept up all my payments on my loan'' which is not a hindrance according to the eligibility statement '' Any previous student loans are not taken into account''. So she's qualified in spite of her previous loan. That's why Y is correct.
Hope I was able to explain clearly?
Reply | Reply with quote | Quote
+2 # S. M. 2015-10-27 10:44
Why 27 is Y? Why not NG? You don't know anything about the writer's current situation. Maybe he/she is too old now or desires to take a course that isn't eligible for a loan or isn't full time?
Reply | Reply with quote | Quote
0 # Umair 2016-04-21 20:50
We can't commit age for almost all of the questions except one. So we only have to answer about the questions that are asked. We have to analyze that whether the question asked has information in passage or not. So we'll only see a condition "Your previous financial record is not a consideration".
Reply | Reply with quote | Quote
0 # Jane 2016-03-02 08:09
The answer is 'Y' because here the question is not based on the criteria ''age'', rather it is based on the criteria ''previous student loan''. Only this criteria (previous student loan) will be taken into consideration. Let's put the question in another way:
Am I eligible for a second loan in spite of my previous (or first) student loan? YES (Y).
Reply | Reply with quote | Quote
-2 # Arianne 2015-08-15 20:09
Hi there, just landed to your blog through Google, and found that it's truly informative for IELTS.
Reply | Reply with quote | Quote

Add comment


Security code
Refresh