GRE阅读练习：学生贷款作正经投资有赚头.docxVIP

Word文档下载后（可任意编辑） 第 第 PAGE 1 页 共 NUMPAGES 1 页 GRE阅读练习：学生贷款作正经投资有赚头 GRE阅读训练：GRE阅读练习：学生贷款作正经投资有赚头 GRE考试精品课程指导  A fintech startup treats student loans a serious investment.  一家新兴金融科技公司把学生贷款作为正经投资。  IN AN old factory building in lower Manhattan a fintech startup is seeking answers to a question that has tormented teachers and students for decades: what is the value of a given course, teacher or institution?  在下曼哈顿区的一幢老旧厂房里，一家金融科技新秀正试图解答一个困扰着教师和学生们数十载的问题：一门课程、一名教师或是一间学府，它/他们的价值是什么?  Climb Credit, with just two dozen employees, provides student loans.  Climb Credit 依靠着仅仅二十四名员工，开展学生贷款业务。  The programmes it finances bring returns far higher than can be expected from even highly rated universities.  其财政项目回报远高于那些高评级大学期待。  Climb does not claim to nurture billionaires, nor to care much about any of the intangible benefits of education.  Climb公司并没有声称要去培养亿万富豪，也没有特别关心教育所带来的无形好处。  Rather, it focuses on sharp, quantifiable increases in earnings.  相反，它关注的是快速的、可计量的营收增长。  The average size of its loans is $10,000 and it normally finances programmes of less than a year.  平均贷款额度是10,000美金，且一般资助低于一年的项目。  The subjects range from coding to web design, from underwater welding to programming robots for carmakers (which has the highest rate of return).  其中涉及的学科从编程到网站设计，从水下焊接到为汽车制造商编写机器人程序(这是最高回报率的学科)。  Some students have scant formal education; others advanced degrees.  一些学生缺乏正规的教育，而另一些拥有高等学历。  The rate of return they get is calculated as the uplift in earnings after the course of study, minus its cost (which includes that of servicing the loan, and takes account of the absence of earnings during the course).  他们所得到的回报率是根据学习结束后的收入增长减去课程花费所得到的(其中课程花费包括贷款的花费以及考虑了课程期间没有收入来源这一因素)。  Climb’s results so far are hardly conclusive.  目前为止，Climb Credit 的成果尚未有定论。  It has released only the number of loan applications: just 10,000 since its founding in 2014.  它仅仅发布了贷款申请数：自2014年成立起，才收到一万份。  Many ins