Part Four: Monologue
Loans are a very common in the United States. Americans take out loans to buy a car or a house, and many young people borrow money to go to university. The interest rate on a loan is very important. It is how much money you pay to your lender to be allowed to borrow the money. It is added to your monthly payments. A typical education loan might have an interest rate of 5-8 percent, and take 10 years to pay off. Students do not have to pay for their loans while they are in school under the government loan program.  It is a very helpful program considering that going to college can cost as much as $120,000.
在美国，贷款是很普遍的。美国人会通过借贷来买车，买房，年轻人则会贷款去上大学。贷款的利息是很重要的因素。它是你必须付给你的借贷人的那部分钱，附加在你每月支付额之内。典型的教育贷款利息可能为5%到8%的利率，分10年付清。如果是政府贷款项目，那么在校期间学生不需要偿还贷款。对于上大学要花费的12万美元的费用来说，这个项目很有帮助。

Part Five: Vocabulary and Phrases
--loan  贷款
--interest rate利率
--fixed rate固定利率
--application 申请，请求；申请书
--qualify  取得资格；具备合格条件
--balance 平衡，均衡
--maintain a balance保持（收支）平衡
--invest  投（资）[(+in)]
--investment 投资；投资额；投资物
--stock 贮存，股票，股份
--strategy  策略

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