American winner takes all

Chapter 37 Activity Guide
After the dance, the two took a car home. Ethan specifically asked the taxi driver to stop in advance and chose to walk back for the last part.

At this time, the two of them had changed into their usual clothes. Ethan was carrying two bags in his hand, which contained the dresses that he had changed into and would return them to the clothing store tomorrow.

Catherine had her hands behind her back, holding high heels. Naturally, they were the pair of CL that Ethan bought for her.

Catherine lowered her head and walked on the catwalk, seeming to sigh: "High school career is over."

"Have you decided which school to go to?" Ethan asked.

Catherine shook her head: "Let's see how much money I can earn this summer. I applied for two jobs and learned how to sell insurance like Mia. I hope I will have good luck. It would be great if we had money, so that we can take advantage of the opportunity. This summer vacation, I’ll travel around California and spend my honeymoon!”

Ethan had previously decided that he was not prepared to let Katherine use her federal student loans.

In 1993, the U.S. Congress had just passed the Student Loan Reform Act, which formally established the direct loan program, clearly stipulating that the average annual interest rate for student loans from 1994 to 1998 was 7.43%.

Assuming a four-year loan of US$12, according to the "Standard Repayment Plan" determined in the bill, the loan with principal and interest after ten years will be US$169680.00, and the interest ratio will be 41%.Repayments begin six months after graduation, with monthly payments of $1414.00.

Of course, you can also apply for an extended repayment plan (Extended Repayment Plan) or an income-related repayment plan (Income-Contingent Repayment Plan)), but the interest is calculated as usual and is compounded.This is also the reason why some student loans are 8 yuan, 9 yuan is repaid in 12 years, and the debt is 7 yuan.

Student Loan Interest Deduction (Student Loan Interest Deduction) was implemented in 97, and the maximum annual interest deduction was US$1000. In 01, it was raised to US$2500 in interest. This is the upper limit. In fact, it does not necessarily mean that you can deduct this much upon application, because it is subject to IRS approval. , involving the borrower’s adjusted gross income (MAGI), only about [-]% of applicants can be fully exempted.

This is the only deduction discount related to student loans. Others are tuition deductions. You can still apply for it even if you don’t take out a loan.

Moreover, the annual loan limit for federal Stafford Loans for undergraduate students is only $23000.

The remaining money will have to be found by a third-party lender, which will accrue more interest.

This is how the name “Ministry of Education is the largest commercial bank in the United States” comes from.

Ethan did the math in his head and figured out that the deadline to choose a college was the end of July, also known as "signing day."There is still one month to go before this time, and within this month, you have to collect [-] to [-] US dollars to have sufficient room for choice.By then, Catherine would be able to raise almost four thousand dollars, and Mia would be able to come up with about five thousand dollars.The shortfall is still $[-] to $[-].

I now have nearly [-] US dollars. It can be said that as long as I win another game and piece together some things, I can almost get it.

If we can win two games stably, we will have a lot of money.

Beyond this, there are two additional paths.

1: The script was sold within this month.

2: Lisa is willing to sponsor Catherine.

Ethan felt that it was more likely that it was 2. This was the last resort.

"By the way, our volleyball team also made it to the playoffs this season. Although it won't help much in getting a scholarship, I still want to try again." Catherine said.

The bhhs volleyball team is weak and has not entered the playoffs in three years. This has been throughout Catherine's high school life. She somewhat wants to make up for her regrets.

Ethan asked about the time and said he would be there to cheer for Catherine.

Then Ethan thought about some "honeymoon" itineraries, such as Disneyland in Los Angeles, San Diego Comic Con, Fisherman's Wharf in San Francisco, Death Valley National Park...

"Speaking of San Francisco, it's time for William to come back!" Catherine said suddenly.

William O'Connor is the elder brother of the two. He is currently a sophomore at Stanford and will be a junior next school year.

Ethan then remembered that he had forgotten about him.

Although William is currently working part-time, it will definitely be very difficult for him to pay all of Stanford's tuition at once. He will need some support, which is another additional expense.

Ethan is really feeling a little sore in his balls. Catherine can take care of herself. Another one?
You are an adult now, William, and it’s time to learn to deal with problems on your own!

"Also, the first stop of the 'honeymoon' is coming soon. In a few days it will be the Aerosmith concert." Catherine reminded at this time.Back at the motel, Ethan saw Mia walking in the hallway.

At this moment Catherine immediately pulled her hand back.

"I'm back. I'm going to work out by the way. You two should have a rest early." Mia said immediately, completely turning a blind eye to the intimate behavior of Catherine and Ethan.

"Why did she go out for a run in the middle of the night? She was obviously so tired during the day." Catherine looked confused.

"Maybe he wants to give the two of us some space to be alone." Ethan said suddenly.

Catherine knocked Ethan on the head and pushed him toward the bathroom.

When Ethan returned to the room after taking a shower, Catherine had already got into bed, with only her head exposed, her hair disheveled, the bedside table lamp was on, under the lamp were neatly folded underwear and outerwear, and the radio was turned on, playing With Pink Floyd's Comfortably Numb.A low and soothing voice, a unique and frivolous guitar picking, and a dreamy singing voice.

Make everything more peaceful than ever before.

"The layout is pretty good." Ethan laughed.

"The Couple's Weekend Guide, published by Random House in 1951." Only then did Catherine tell the truth.

It is a product of half a century ago, when America was still relatively conservative. In movies, couples had to sleep in separate beds, and so-called activities had to be in the name of husband and wife.

No wonder it smells conservative.

"I brought this for you." Ethan took out a few things from his back, two goblets, a half-drunk bottle of red wine, and a video tape.

The red wine was of course for fun, and the video tape was even more for fun. I borrowed it from the owner of the motel downstairs.

Then Ethan poured the red wine and played the videotape.

"This is my first time drinking." Catherine took a big sip with a painful expression, as if she had been burned.

Then I was shocked by the picture on the TV.

"Also, this man... his chest hair is too long. It's disgusting." Catherine grinned.

After the prelude ended, Ethan took away the wine glass from Catherine's hand. She drank half of the glass. If she drank more, she would be really drunk. It was just right now.

"here we go!"

Catherine kicked her legs randomly, her hands couldn't fit anywhere, and in the end she could only cover her face.

She seemed unfamiliar, clumsy, nervous, and a little bit panicked.

"Why is this happening?" After a while, Catherine asked again.

"You have to forget that book and follow your heart." Ethan said.

After a while, Catherine's voice became like a kitten's, with an extra high pitch.

Late at night, Catherine was lying on her side, looking at Ethan who was also lying on his side, with a happy smile on her face.

They looked at each other speechlessly.

Ethan opened his arms and the two embraced each other.

　Thanks to Shi Jianjian for sending 2 monthly tickets, to UCG for sending 2 monthly tickets, to Barbecue Man for sending 1 monthly ticket again, to Emperor Yu for sending 1 monthly ticket, to Cai Shao for sending 1 monthly ticket, and to Kong Kongkong 11 sent out 1 monthly ticket, thank Hobrou46773 for sending out 2 monthly tickets, thank War Emperor for sending out 2 monthly tickets.

　　
　
(End of this chapter)