Conversation Two-英语听力mp3下载无损flac下载
Conversation Two-英语听力在线试听免费歌词下载
[00:00.17]CONVERSATION TWO
对话2 [00:02.10]Questions 6 to 10 are based on Conversation Two.
请根据对话2回答第6题到第10题。 [00:07.58]W: It says a growing number of students are making a major hole from the minute they enter the real world
女：据说越来越多的学生一进入社会就开始还债了， [00:13.31]W: because they are already, some of them, more than 100, 000 dollars in debt.
女：因为有些学生早就欠下了10几万美元。 [00:19.61]W: With us now is Mark Spencer, he is the senior financial analyst for SBC Bank.
女：今天我们请到了SBC银行的高级金融分析师，马克·斯宾塞。 [00:25.17]W: Welcome to you.
女：欢迎你。 [00:27.56]M: Thank you. Nice to be with you.
男：谢谢，很高兴来到这里。 [00:29.72]W: Now I guess there are two kinds of debts: good debt and bad debt.
女：债务分两种：良性债务和不良债务。 [00:34.36]W: Where does this go?
女：学生债务属于哪一种？ [00:36.81]M: Well, student loan debt is traditionally considered good debt,
男：嗯，学生债务一般属于良性债务。 [00:41.31]M: but the problem for many students and their families
男：不过，让许多学生及其家庭发愁的是， [00:44.37]M: is that the cost of colleges has been going up at 6 to 8% a year,
男：大学学费每年上涨6%到8%， [00:50.23]M: far faster than the income, far faster than the standard of living.
男：远远超过收入增长速度和生活水平提高的速度。 [00:56.42]M: That means debt's taking on a bigger and bigger role in financing education.
男：这意味着借贷在提供教育费用中发挥着越来越重要的作用。 [01:03.21]W: How much debt is too much debt for, for one student?
女：那么对于一个学生来说，过多的债务具体是多少？ [01:08.11]M: Well, one guideline is that you look at the first year's salary in your field after graduation,
男：嗯，有这样一个方法，统计一下一个行业里应届生的工资， [01:16.80]M: and use that as a barometer, but even then...
男：用它作参照，不过即使…… [01:20.08]W: Is that right?
女：这个方法有效吗？ [01:22.51]M: Well, you are talking big payments even in that instance, for example, 30, 000 dollars worth of debt.
男：这种情况下涉及的都是大笔债务的偿还，比如，3万美元的债务。 [01:30.89]M: If you are gonna repay that over 10 years,
男：如果你要在十年内还完， [01:34.32]M: you are talking more than 300 dollars a month at, in payments every month for 10 years.
男：每个月就要还300多美元，每个月都还，一共还10年。 [01:42.19]W: But there're surely more than one way to get a loan for college.
女：但是获得大学费用贷款肯定还有其他方法。 [01:47.52]W: There are government programs.
女：比如政府项目。 [01:48.38]W: There are so many kinds of grants.
女：还有很多种补助金。 [01:51.91]W: What's, what's the best advice for people who are looking for these loans to try to keep themselves from going under.
女：那么对于那些正在为这些贷款奔走的人，如何防止自己生活负担过重，有什么建议吗？ [01:59.73]M: I understand that loans are just one way of college finance.
男：我认为这些贷款只是支付大学费用的一种方式。 [02:04.18]M: Take advantage of the other opportunities.
男：建议利用好其他机会。 [02:07.58]M: Things like a college savings plan, let, let you save on a tax advantage basis.
男：比如加入学费储蓄计划，还可以获得有利税率。 [02:13.20]M: So you can put money away in these accounts and withdraw tax-free to pay for that education.
男：你可以把钱存在这些账户里，取出的时候就不用交税，直接拿去交学费。 [02:21.82]W: So it's important to start early and that really reduces that reliance on debt later.
女：所以早做准备很重要，这样后来可以少借贷。 [02:27.39]M: Another thing, leave no stone unturned, looking at grants, scholarships, even on-campus jobs.
男：还有，不要怕麻烦，积极搜集补助金，奖学金或者校内兼职的信息。 [02:36.40]M: I mean every dollar you get that way is seen as another dollar you don't have to borrow later.
男：这样你得到一美元，就少借一美元。 [02:44.99]W: The kinds of jobs that so many students, the fresh off students, like to go into, er, charity stuff, volunteer work.
女：很多学生，尤其是刚毕业的学生，喜欢去做慈善团体或者志愿活动的工作。 [02:54.82]W: This debt is eliminating a lot of that, isn't it?
女：现在由于债务，去做这些工作的毕业生少了很多，对吧？ [02:57.38]M: I think that's the social cost.
男：我认为这是社会应该负担的成本。 [03:00.93]M: Really, I mean, you know, when you consider that,
男：真的，我是说，你想想， [03:04.65]M: you know, people may pass up a rewarding career in charitable work, or non-profit organization
男：很多人会错过慈善工作或者非盈利组织中的非常有意义的工作， [03:11.72]M: because they have to get a higher salary someplace else to pay off that debt.
男：只是因为他们要选择其他单位的高工资的工作来还债。 [03:15.57]W: Yeah, that's for sure. Mark Spencer, senior financial analyst from SBC Bank.
女：对，那是自然。马克·斯宾塞，SOC银行的高级金融分析师。 [03:23.76]W: Mark, good you could be here.
女：马克，感谢您来到我们这个节目。 [03:25.78]M: Thank you.
男：谢谢。 [03:26.78]Questions 6 to 10 are based on Conversation Two.
请根据对话2回答第6题到第10题。 [03:31.53]Question 6. What is the interview mainly about?
第6题 这个访谈节目的主要内容是什么？ [03:44.31]Question 7. How does the cost of college education change every year?
第7题 大学教育费用每年的变化是什么？ [04:01.26]Question 8. What is used to measure student loan debt as a guideline?
第8题 可用作参考衡量学生债务的是什么？ [04:18.07]Question 9. What is the advantage of joining a college savings plan?
第9题 加入学费储蓄计划有什么好处？ [04:35.92]Question 10. What is the possible social cost of a college loan?
第10题 大学贷款可能会带来什么样的社会成本？
对话2 [00:02.10]Questions 6 to 10 are based on Conversation Two.
请根据对话2回答第6题到第10题。 [00:07.58]W: It says a growing number of students are making a major hole from the minute they enter the real world
女：据说越来越多的学生一进入社会就开始还债了， [00:13.31]W: because they are already, some of them, more than 100, 000 dollars in debt.
女：因为有些学生早就欠下了10几万美元。 [00:19.61]W: With us now is Mark Spencer, he is the senior financial analyst for SBC Bank.
女：今天我们请到了SBC银行的高级金融分析师，马克·斯宾塞。 [00:25.17]W: Welcome to you.
女：欢迎你。 [00:27.56]M: Thank you. Nice to be with you.
男：谢谢，很高兴来到这里。 [00:29.72]W: Now I guess there are two kinds of debts: good debt and bad debt.
女：债务分两种：良性债务和不良债务。 [00:34.36]W: Where does this go?
女：学生债务属于哪一种？ [00:36.81]M: Well, student loan debt is traditionally considered good debt,
男：嗯，学生债务一般属于良性债务。 [00:41.31]M: but the problem for many students and their families
男：不过，让许多学生及其家庭发愁的是， [00:44.37]M: is that the cost of colleges has been going up at 6 to 8% a year,
男：大学学费每年上涨6%到8%， [00:50.23]M: far faster than the income, far faster than the standard of living.
男：远远超过收入增长速度和生活水平提高的速度。 [00:56.42]M: That means debt's taking on a bigger and bigger role in financing education.
男：这意味着借贷在提供教育费用中发挥着越来越重要的作用。 [01:03.21]W: How much debt is too much debt for, for one student?
女：那么对于一个学生来说，过多的债务具体是多少？ [01:08.11]M: Well, one guideline is that you look at the first year's salary in your field after graduation,
男：嗯，有这样一个方法，统计一下一个行业里应届生的工资， [01:16.80]M: and use that as a barometer, but even then...
男：用它作参照，不过即使…… [01:20.08]W: Is that right?
女：这个方法有效吗？ [01:22.51]M: Well, you are talking big payments even in that instance, for example, 30, 000 dollars worth of debt.
男：这种情况下涉及的都是大笔债务的偿还，比如，3万美元的债务。 [01:30.89]M: If you are gonna repay that over 10 years,
男：如果你要在十年内还完， [01:34.32]M: you are talking more than 300 dollars a month at, in payments every month for 10 years.
男：每个月就要还300多美元，每个月都还，一共还10年。 [01:42.19]W: But there're surely more than one way to get a loan for college.
女：但是获得大学费用贷款肯定还有其他方法。 [01:47.52]W: There are government programs.
女：比如政府项目。 [01:48.38]W: There are so many kinds of grants.
女：还有很多种补助金。 [01:51.91]W: What's, what's the best advice for people who are looking for these loans to try to keep themselves from going under.
女：那么对于那些正在为这些贷款奔走的人，如何防止自己生活负担过重，有什么建议吗？ [01:59.73]M: I understand that loans are just one way of college finance.
男：我认为这些贷款只是支付大学费用的一种方式。 [02:04.18]M: Take advantage of the other opportunities.
男：建议利用好其他机会。 [02:07.58]M: Things like a college savings plan, let, let you save on a tax advantage basis.
男：比如加入学费储蓄计划，还可以获得有利税率。 [02:13.20]M: So you can put money away in these accounts and withdraw tax-free to pay for that education.
男：你可以把钱存在这些账户里，取出的时候就不用交税，直接拿去交学费。 [02:21.82]W: So it's important to start early and that really reduces that reliance on debt later.
女：所以早做准备很重要，这样后来可以少借贷。 [02:27.39]M: Another thing, leave no stone unturned, looking at grants, scholarships, even on-campus jobs.
男：还有，不要怕麻烦，积极搜集补助金，奖学金或者校内兼职的信息。 [02:36.40]M: I mean every dollar you get that way is seen as another dollar you don't have to borrow later.
男：这样你得到一美元，就少借一美元。 [02:44.99]W: The kinds of jobs that so many students, the fresh off students, like to go into, er, charity stuff, volunteer work.
女：很多学生，尤其是刚毕业的学生，喜欢去做慈善团体或者志愿活动的工作。 [02:54.82]W: This debt is eliminating a lot of that, isn't it?
女：现在由于债务，去做这些工作的毕业生少了很多，对吧？ [02:57.38]M: I think that's the social cost.
男：我认为这是社会应该负担的成本。 [03:00.93]M: Really, I mean, you know, when you consider that,
男：真的，我是说，你想想， [03:04.65]M: you know, people may pass up a rewarding career in charitable work, or non-profit organization
男：很多人会错过慈善工作或者非盈利组织中的非常有意义的工作， [03:11.72]M: because they have to get a higher salary someplace else to pay off that debt.
男：只是因为他们要选择其他单位的高工资的工作来还债。 [03:15.57]W: Yeah, that's for sure. Mark Spencer, senior financial analyst from SBC Bank.
女：对，那是自然。马克·斯宾塞，SOC银行的高级金融分析师。 [03:23.76]W: Mark, good you could be here.
女：马克，感谢您来到我们这个节目。 [03:25.78]M: Thank you.
男：谢谢。 [03:26.78]Questions 6 to 10 are based on Conversation Two.
请根据对话2回答第6题到第10题。 [03:31.53]Question 6. What is the interview mainly about?
第6题 这个访谈节目的主要内容是什么？ [03:44.31]Question 7. How does the cost of college education change every year?
第7题 大学教育费用每年的变化是什么？ [04:01.26]Question 8. What is used to measure student loan debt as a guideline?
第8题 可用作参考衡量学生债务的是什么？ [04:18.07]Question 9. What is the advantage of joining a college savings plan?
第9题 加入学费储蓄计划有什么好处？ [04:35.92]Question 10. What is the possible social cost of a college loan?
第10题 大学贷款可能会带来什么样的社会成本？
Conversation Two-英语听力热门评论
我听到第二遍才反应过来这是debt不是dead，还在想怎么会有那么多学生dead，[惊恐]我太菜了