wayground logo

Free Printable Worksheets

Font size

S
M
L
XL
Worksheets

Money Explained - Student Loans

Total questions: 20

Worksheet time: 18mins

Name
Class
Date
1.

Apakah perkara utama yang menjadi tumpuan dalam episod ini? / What is the main focus of this episode?

a)

Kos pendidikan tinggi yang semakin meningkat / The rising cost of higher education

b)

Cara cepat kaya melalui pelaburan / How to get rich quick through investment

c)

Teknik mengurangkan cukai / Tax reduction techniques

d)

Penggunaan kad kredit untuk pelajar / Use of credit cards for students

2.

Episod ini menyatakan bahawa jumlah hutang pelajar di AS lebih besar daripada …? / This episode states that U.S. student-loan debt is larger than …?

a)

Hutang kerajaan negeri / State government debt

b)

Semua hutang peribadi orang dewasa / All adult personal debt

c)

Hutang kad kredit dan pinjaman kereta / Credit-card and auto-loan debt

d)

Hutang rumah / Mortgage debt

3.

Apakah risiko utama apabila peminjam gagal membayar balik pinjaman pelajar? / What is a major risk when a borrower fails to repay student loans?

a)

Pinjaman dihapus secara automatik / Loan automatically forgiven

b)

Pelajar dibenarkan tamat pengajian awal / Student is allowed early graduation

c)

Skor kredit merosot / Credit score falls

d)

Bayaran balik ditangguh tanpa faedah / Repayment postponed with no interest

4.

Manakah antara berikut adalah strategi yang disarankan dalam episod untuk pelajar? / Which of the following is a strategy recommended in the episode for students?

a)

Pilih kursus yang menjamin gaji tinggi kemudian baru pinjam / Choose a course with high earning potential before borrowing

b)

Abaikan syarat pinjaman pelajar / Ignore student-loan terms

c)

Ambil pinjaman maksimum tanpa memikirkan pekerjaan selepas graduasi / Take the maximum loan without considering post-graduation job

d)

Gunakan pinjaman sebagai simpanan kecemasan / Use the loan as emergency savings

5.

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)  

6.

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)  

7.

“Defaulting” pada pinjaman pelajar boleh menyebabkan _____. / Defaulting on a student loan can cause _____.

**Sila jawab dalam English sahaja. Please answer in English only

(a)  

8.

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)  

9.

Padankan setiap istilah dengan definisi yang betul. / Match each term with its correct definition

a)

Pinjaman yang digunakan untuk membiayai pendidikan tinggi / A loan used to finance higher education

1.

Student Loans

b)

Gagal membuat pembayaran mengikut syarat pinjaman / Failing to meet loan payment terms

2.

Default

c)

Faedah ditambah kepada prinsipal pinjaman / Interest added to the principal of the loan

3.

Interest Capitalization

d)

Potongan gaji oleh kerajaan untuk hutang pelajar / Government wage deduction for student-loan debt

4.

Wage Garnishment

10.

Padankan langkah pencegahan dengan hasilnya seperti episod ini. / Match each prevention step with its outcome as discussed in the episode.

a)

Pembayaran tepat masa / On-time payment

1.

Stronger credit score

b)

Memilih kursus tinggi potensi gaji / Choosing a high earning course

2.

Lower default risk

c)

Memahami syarat pinjaman / Understanding loan terms

3.

Smarter borrowing decisions

d)

Mencari geran & biasiswa / Seeking grants & scholarships

4.

Reduce loan need

11.

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

Choose from the below words
10%
5%
15%
20%
12.

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

Choose from the below words
Capitalization
Deferral
Consolidation
Forgiveness
13.

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

Choose from the below words
federal grants
private loans
admission fees
international students
14.

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

Choose from the below words
Make extra payments periodically
Defer payments indefinitely
Ignore statements
Change degree programme
15.

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.

a)

Pinjaman diambil untuk pengajian / Loan is taken for education

b)

Pembayaran ditangguh atau tertangguh / Payments are deferred or delayed

c)

Faedah mula berkumpul dan dikapitalisasi / Interest begins to accrue and is capitalised

d)

Baki menjadi lebih tinggi daripada jumlah asal / Balance becomes higher than original amount

1)
2)
3)
4)
16.

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.

a)

Semak kos sebenar kursus / Review the real cost of the course

b)

Cari geran & biasiswa / Seek grants & scholarships

c)

Pilih pinjaman yang sesuai / Choose an appropriate loan

d)

Rancang apabila dan bagaimana anda akan membayar balik / Plan when and how you will repay

1)
2)
3)
4)
17.

Susun urutan apabila peminjam gagal membayar balik pinjaman seperti diterangkan. / Arrange the sequence when a borrower fails to repay the loan as described.

a)

Gagal membuat pembayaran mengikut jadual / Fails to make payments on schedule

b)

Pinjaman berada dalam status default / Loan enters default status

c)

Skor kredit peminjam jatuh / Borrower’s credit score drops

d)

Tindakan undang-undang atau pemotongan gaji berlaku / Legal action or wage garnishment occurs

1)
2)
3)
4)
18.

Susun kronologi evolusi pinjaman pelajar di AS seperti dibincangkan. / Arrange the chronology of student-loan evolution in the U.S. as discussed

a)

Era geran persekutuan yang besar / Era of large federal grants

b)

Peningkatan yuran kolej dan ketergantungan kepada pinjaman / Rising college fees and reliance on loans

c)

Hutang pelajar meletup menjadi krisis / Student-loan debt explosion into crisis

d)

Usaha pembaharuan dasar dan pengampunan pinjaman / Policy reform efforts and loan forgiveness

1)
2)
3)
4)
19.

Padankan setiap pernyataan dengan jawapan yang betul. / Match each statement with the correct answer

a)

“Tambah faedah ke atas prinsipal pinjaman” / “Add interest on loan principal”

1.

Interest Capitalization

b)

“Gagal membuat pembayaran yang membawa kepada pemajakan gaji” / “Failure to make payments leading to wage garnishment”

2.

Wage Garnishment

c)

“Jumlah hutang pelajar di AS mengatasi jenis hutang lain” / “The amount of student debt in the US surpasses any other type of debt”

3.

Student-loan debt exceeds other debt

d)

“Mengurangkan geran kerajaan menyebabkan kebergantungan terhadap pinjaman” / “Reducing government grants leads to dependence on loans”

4.

Increase loan reliance

20.
What are the main themes discussed in the infographic?