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Ⅲ. Cloze (20 points)
Directions:
For each blank in the following passage, there are four choices given below and marked A, B, C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.
Investors can _51_ money simply by loaning it. The money they loan is called capital. Security (担保) is an expensive item which the borrower mortgages (抵押) to the investor to show that he intends to _52_ the debt. The way investors make money on loans is to charge interest. Interest is money that _53_ pay to investors for the use of their money. Interest is usually a certain percentage of the capital. Investors sometimes _54 ten percent or more interest per year. The interest may be calculated daily, monthly, or yearly. The interest must be _55_ before the capital can be repaid. If the interest is not _56_ the agreed rate, the interest is added _57_ the capital. Then the borrower has _58_ pay interest on the unpaid interest _59_ on the capital. A debt can grow quickly this way. If the total of the capital and accumulated interest gets too high, the investor will take _60_ of the item used as security and sell it to get his money back.
51.A. getB. makeC. haveD. carry
52.A. repayB. leaveC. getD. give
53.A. borrowersB. lendersC. peoplesD. others
54.A. costB. askC. chargeD. change
55.A. by dayB. by the dayC. every dayD. daily
56.A. paidB. to be paidC. payD. paying
57.A. onB. toC. forD. with
58.A. toB. onC. intoD onto
59.A. orB. alsoC. but alsoD. as well as
60.A. the placeB. possessionC. turnD. care

Ⅳ. Reading Comprehension (60 points)
Directions:
There are four reading passages in this part. Each passage is followed by five questions. For each question there are four suggested answers marked A, B, C and D. Choose one best answer and blacken the corresponding letter on the Answer Sheet.

Passage One
Students enrolled at least half time may borrow up to $3,000 form the government over a two-year period. Repayment of the loan begins six months after the student leaves school. These loans carry on interest until this time. The current interest rate is 5 percent. Students may borrow up to $4,500 annually from a bank, credit union, savings and loan association or other eligible lender. Repayment on these loans usually begins six months after the student leaves school. These loans carry no interest until this time. This current interest rate is 9 percent. Parents may borrow up to $300 annually for each dependent college. Repayment begins forty-five days after receiving the loan, and the interest rate is 12 percent.
61. Which of the following is the main purpose?
A.To remind students and their families to repay their loan.
B.To compare interest rates.
C.To inform students and parents of the various loans available.
D.To show that government loans charge the least interest.
62. The highest interest rate is charged to _______.
A. full-time studentsB. parents
C. students borrowing from a credit unionD. half-time students
63. If parents had three children in college how much could they borrow annually?
A. 900B. 3,000C. 300D. 9,000
64. According to the passage which of the following is true.
A.The government lends students enrolled at least half time up to 3,000 annually.
B.Students may borrow up to $4,500 annually from four sources.
C.Students enrolled less than half time may borrow money.
D.The current interest rate from banks is 5 percent.
65. It can be inferred from the passage that _______.
A.the student's school determines who is an eligible lender
B.money is available for student loans
C.students need not be enrolled half time to borrow money
D.the interest rate on student loans is increasing