WorksheetsMoney Explained - Student Loans
Total questions: 20
Worksheet time: 18mins
Apakah perkara utama yang menjadi tumpuan dalam episod ini? / What is the main focus of this episode?
Kos pendidikan tinggi yang semakin meningkat / The rising cost of higher education
Cara cepat kaya melalui pelaburan / How to get rich quick through investment
Teknik mengurangkan cukai / Tax reduction techniques
Penggunaan kad kredit untuk pelajar / Use of credit cards for students
Episod ini menyatakan bahawa jumlah hutang pelajar di AS lebih besar daripada …? / This episode states that U.S. student-loan debt is larger than …?
Hutang kerajaan negeri / State government debt
Semua hutang peribadi orang dewasa / All adult personal debt
Hutang kad kredit dan pinjaman kereta / Credit-card and auto-loan debt
Hutang rumah / Mortgage debt
Apakah risiko utama apabila peminjam gagal membayar balik pinjaman pelajar? / What is a major risk when a borrower fails to repay student loans?
Pinjaman dihapus secara automatik / Loan automatically forgiven
Pelajar dibenarkan tamat pengajian awal / Student is allowed early graduation
Skor kredit merosot / Credit score falls
Bayaran balik ditangguh tanpa faedah / Repayment postponed with no interest
Manakah antara berikut adalah strategi yang disarankan dalam episod untuk pelajar? / Which of the following is a strategy recommended in the episode for students?
Pilih kursus yang menjamin gaji tinggi kemudian baru pinjam / Choose a course with high earning potential before borrowing
Abaikan syarat pinjaman pelajar / Ignore student-loan terms
Ambil pinjaman maksimum tanpa memikirkan pekerjaan selepas graduasi / Take the maximum loan without considering post-graduation job
Gunakan pinjaman sebagai simpanan kecemasan / Use the loan as emergency savings
Hutang pelajar di AS mencecah sekitar ______ trilion dolar pada masa episod ini. / U.S. student-loan debt reached around ______ trillion dollars at the time of this episode.
(a)
Apabila pelajar menangguhkan pembayaran, mereka mungkin dikenakan ______ ke atas faedah yang belum dibayar. / When students defer payments, they may incur ______ on unpaid interest.
**Sila jawab dalam English sahaja. Please answer in English only
(a)
“Defaulting” pada pinjaman pelajar boleh menyebabkan _____. / Defaulting on a student loan can cause _____.
**Sila jawab dalam English sahaja. Please answer in English only
(a)
Episod ini membincangkan bahawa pengurangan geran persekutuan menyebabkan pelajar lebih bergantung kepada _____. / The episode discusses that reduced federal grants led students to rely more on _____.
**Sila jawab dalam English sahaja. Please answer in English only
(a)
Padankan setiap istilah dengan definisi yang betul. / Match each term with its correct definition
Pinjaman yang digunakan untuk membiayai pendidikan tinggi / A loan used to finance higher education
Student Loans
Gagal membuat pembayaran mengikut syarat pinjaman / Failing to meet loan payment terms
Default
Faedah ditambah kepada prinsipal pinjaman / Interest added to the principal of the loan
Interest Capitalization
Potongan gaji oleh kerajaan untuk hutang pelajar / Government wage deduction for student-loan debt
Wage Garnishment
Padankan langkah pencegahan dengan hasilnya seperti episod ini. / Match each prevention step with its outcome as discussed in the episode.
Pembayaran tepat masa / On-time payment
Stronger credit score
Memilih kursus tinggi potensi gaji / Choosing a high earning course
Lower default risk
Memahami syarat pinjaman / Understanding loan terms
Smarter borrowing decisions
Mencari geran & biasiswa / Seeking grants & scholarships
Reduce loan need
Kira-kira ____ peratus peminjam pelajar di AS mengalami “default”. / Approximately (a) percent of U.S. student-loan borrowers experience “default”.
**Sila jawab dalam English sahaja. Please answer in English only
Apabila faedah ditambahkan kepada prinsipal, ia dikenali sebagai _____. / When interest is added to the principal, it is known as (a) .
**Sila jawab dalam English sahaja. Please answer in English only
Salah satu sebab kos pendidikan tinggi meningkat ialah pengurangan ____ daripada kerajaan. / One reason the cost of higher education increased is reduced (a) from the government
**Sila jawab dalam English sahaja. Please answer in English only
Sekiranya anda mempunyai baki pinjaman pelajar yang besar, langkah bijak ialah _____. / If you have a large student-loan balance, a smart move is (a) .
**Sila jawab dalam English sahaja. Please answer in English only
Susun urutan bagaimana baki pinjaman pelajar boleh membesar seperti dijelaskan dalam episod. / Arrange the sequence of how a student-loan balance can grow as explained in this episode.
Pinjaman diambil untuk pengajian / Loan is taken for education
Pembayaran ditangguh atau tertangguh / Payments are deferred or delayed
Faedah mula berkumpul dan dikapitalisasi / Interest begins to accrue and is capitalised
Baki menjadi lebih tinggi daripada jumlah asal / Balance becomes higher than original amount
Susun langkah untuk mengelakkan krisis hutang pelajar seperti dalam episod ini. / Arrange the steps to avoid a student-debt crisis as discussed in this episode.
Semak kos sebenar kursus / Review the real cost of the course
Cari geran & biasiswa / Seek grants & scholarships
Pilih pinjaman yang sesuai / Choose an appropriate loan
Rancang apabila dan bagaimana anda akan membayar balik / Plan when and how you will repay
Susun urutan apabila peminjam gagal membayar balik pinjaman seperti diterangkan. / Arrange the sequence when a borrower fails to repay the loan as described.
Gagal membuat pembayaran mengikut jadual / Fails to make payments on schedule
Pinjaman berada dalam status default / Loan enters default status
Skor kredit peminjam jatuh / Borrower’s credit score drops
Tindakan undang-undang atau pemotongan gaji berlaku / Legal action or wage garnishment occurs
Susun kronologi evolusi pinjaman pelajar di AS seperti dibincangkan. / Arrange the chronology of student-loan evolution in the U.S. as discussed
Era geran persekutuan yang besar / Era of large federal grants
Peningkatan yuran kolej dan ketergantungan kepada pinjaman / Rising college fees and reliance on loans
Hutang pelajar meletup menjadi krisis / Student-loan debt explosion into crisis
Usaha pembaharuan dasar dan pengampunan pinjaman / Policy reform efforts and loan forgiveness
Padankan setiap pernyataan dengan jawapan yang betul. / Match each statement with the correct answer
“Tambah faedah ke atas prinsipal pinjaman” / “Add interest on loan principal”
Interest Capitalization
“Gagal membuat pembayaran yang membawa kepada pemajakan gaji” / “Failure to make payments leading to wage garnishment”
Wage Garnishment
“Jumlah hutang pelajar di AS mengatasi jenis hutang lain” / “The amount of student debt in the US surpasses any other type of debt”
Student-loan debt exceeds other debt
“Mengurangkan geran kerajaan menyebabkan kebergantungan terhadap pinjaman” / “Reducing government grants leads to dependence on loans”
Increase loan reliance
