擔保人規定
Emily is starting a new semester in college. She is worried about not being able to pay her tuition.
大學新學期快開始了，艾米莉正為繳不出學費而發愁。
tuition fee （大學）學費
Emily: How am I supposed to get money to pay for college?
艾米莉：要怎麼籌錢繳學費啊？
Chris: Didn’t you apply for a scholarship?
克里斯：妳沒申請獎學金嗎？
scholarship(n.)獎（助）學金grant(n.)獎學金、（研究）撥款或資金
Emily: It’s not open for application until midterm. Plus, I don’t know if my grades are good enough to guarantee me a scholarship.
艾米莉：學期中才會開放申請，而且不曉得以我的成績能不能申請得到。
guarantee sb. sth. 保證讓某人（獲得）某物
Chris: You’re right. Why don’t you try applying for a student loan from a bank?
克里斯：確實。怎麼不試試申請銀行學貸？
Emily: I don’t want to carry a student loan debt right after I graduate.
艾米莉：我不想一畢業就背學貸。
debtor(n.)債務人carry a debt 背債run up a debt 積欠債款pay off a debt 繳清債款pay down a debt 償還部分債務
Chris: From what I know, some banks offer low-interest student loans and waive the penalties if you want to pay off your loan before the term ends.
克里斯：據我所知，有些銀行提供低利率的學貸，到期前繳清也不會徵收違約金。
interest on capital 資本利息waive(v.)免除（費用、罰金）waiver(n.)免支付協議visa waiver 免簽證penalty(n.)懲處、刑罰、罰金、罰款death penalty 死刑penalty kick 罰球點球impose or receive a penalty
Emily: That doesn’t sound half bad.
艾米莉：聽起來很不錯。
Chris: What’s more, some loans don’t require co-signers, collateral or a credit history. Some banks even offer a grace period of up to nine months to students pursuing a degree in certain fields such as law, medicine or business.
克里斯：而且有些學貸不規定要有擔保人、抵押品或信用紀錄。有些銀行甚至針對就讀法律、醫學、工商等特定科系的學生，提供長達九個月的寬限期。
sign(v.)簽名use or put up sth. as collateral 以某物作為抵押a grace period 寬限期pursue a degree in… 攻讀某學位
Emily: Can I take out a student loan halfway through the course or in between semesters?
艾米莉：那我可以在課程中間或學期中申請學貸嗎？
take out 申請
Chris: Of course. The eligibility and interest rate would largely be the same as in an ordinary student loan. You may have to check with your bank for specifics.
克里斯：當然可以。申請資格與利率大致上跟一般的學貸一樣，但你可能要詢問銀行相關細節。
eligibility(n.)資格eligible(adj.)符合資格的、具備條件的