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