File 2. Extra Reading.

Read "Money Matters" and say if the sentences are True, False or Doesn't say.

Money matters
A
You’ve worked hard and achieved the grades you need for university, but how will you be able to pay for it? The cost of university education is a concern for most potential students; however, there are several types of financial support available.
B
Grants and awards: these are sometimes given out by government or other organisations such as charities, and in most cases you don’t have to pay them back.
Student loans: these are available to UK residents and some international students depending on their circumstances. They have to be paid back if you gain employment after graduation, so it’s important that you know exactly how much money you will owe by the end of your course.
Parental contributions: many students rely on their parents to fund their studies.
C
Once you’ve decided how to pay for your course, you need to consider other costs. These will include things such as food, travel, insurance, course material, and equipment, as well as utility bills (gas, electricity, etc), leisure activities, and your all-important social life. Many universities are in large cities where the cost of living tends to be higher, so managing your money can be difficult. This is especially true if it’s the first time you’ve lived away from home and have plenty of opportunities for shopping and socialising. Overspending can lead to debt, which can take years to pay off, so it’s essential that you learn to budget.
D
The simplest way to avoid getting into debt is to plan your spending. Make sure you know what your income is – how much money you have each month, and your outgoings – how much you spend on essential items like food, rent, course books, travel, and bills. Any extra money can then be spent on social and leisure activities, or shopping.
E
There are other budgeting tips which may help you to save even more money. When you enrol at university you will be given a Student Card. Many restaurants, cafés, pubs, cinemas, and shops in university cities offer student discounts, so show your card! If you live with other students, shop together to share the cost of basic cleaning products and toiletries, such as soap or shampoo. Cook together too – it’s cheaper, and you don’t have to cook and wash up every night. Learning to budget is a great skill, and with a little care, you’ll find you can afford to study and have fun too.
(Adapted from New English File Intermediate. OUP)