B: I want to take out a loan for school. What kind of interest rates do you offer? 我想获得读书贷款。你们的利息是多少？
A: Do you qualify for any of the federal loan programs?你是否具备联邦政府的贷款资格呢？
B: Yes, but I need to borrow some more money.是的，但是我还需要再多借一点。
A: Well, in that case, we can offer you a private educational loan. 好的，这样的话，我们可以向你提供个人（非政府）教育贷款。
B: What’s the interest rate?利息是多少呢？
A: It’s 7.2%, fixed-rate loan. 7.2%的固定利息贷款。
B: How do I go about taking it out?要获得这种贷款要怎么做？
A: Just fill out this application. We can let you know right away if you qualify. 填这份申请表。如果你符合资格我们会很快通知你的。
B: All right. Thank you.好的，谢谢你。
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. 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。
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. 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。
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。
