BecauseofthefinancialcrisisintheUSandUKcollegestudentsarebeginningtostruggletofindwaystopaytheirtuitionfeesandaccommodations.

RecentlytwomajorUSstudentloanlenders—CitibankandJPMorganChase—announcedtheywereleavingthestudentloanindustryaltogether.Becausebankscurrentlyhavealackofcredit(存款额)theyarereluctanttoofferstudentslow­interestloans(贷款)thatneedaseveral­yearwaitforanyreturnofinterest.

IntheUSmanyundergraduatestopuptheirfinancialneedswithaprivateloanalthoughthemajoritycangetgovernment­fundedloans.Inthe2005­2006academicyear$17billioninprivatestudentloanswasusedtofinancehighereducation.TheshortfallinprivatefundinghasyettobecoveredandwillhitmanyUSstudentshard.

AcrosstheAtlanticUKstudentshavebeenlesstroubledbythecrisis.MostundergraduatesintheUKcovertheiruniversityexpenseswithgovernment­fundedloansandgrants(助学金).Theirbiggestconcernisasuddensteepincreaseinstudentrent.

Mostyoungprofessionalsnowrenthousessince80percentofUKmortgageschemes(住房抵押贷款计划)havedisappeared—adirectresultofthecreditcrisis.Thishasboostedthehouserentmarket.

InlargecitiesUKstudentsarepayingalmost6.5percentmoreinrentthanthepreviousyear.FiguresfromtheUKorganizationAccommodationforStudentshowstudentsinbigcitiessuchasLondonpayinganaverageweeklyrentof$103.

Yetdespitestudents'sufferingthenumberofthisyear’suniversityapplicationsisexpectedtogrow.Duringeconomicslumpspeopleregardfurthereducationasawaytosurvivetoughjobmarkets.

【小题1】Accordingtothepassagebanksareunwillingtoofferstudentsloansbecause________.

A．thestudentsarepoorandsometimestheycan’tpayoffthedebtB．bankspreferlendingthemoneytotheyoungprofessionalsC．banksdon’thaveenoughmoneyleftatthepresenttimeD．theythinkcollegestudentsarenotstudyinghard【小题2】Theunderlinedphrase“topup”inParagraph3probablymeans________.A．putupB．makeupC．fi