Name: ___________________________________

Date: ____________________________________

Test • Unit 12
Gerunds
Getting an Education
Part I

Write C (correct) or I (incorrect) for each sentence.

I 1. Julia is considering apply to colleges in the United States.
2. Ryan enjoyed studying last year.
3. Applying for scholarships are part of the process.
4. No getting in to any school would be terrible.
5. She continued looking at other schools.
6. Many students worry not about getting enough financial aid.
7. Some applicants spend time to study for placement tests.
8. The school had good reasons for not accepting every student.
9. My parents are insisting on help me pay for college.
10. My friends complain about the school charging so many fees.
11. Banks insist on make payments on time.
12. I couldn’t have imagined getting a better job after graduation.
13. Applying for colleges are not an easy process.

Part II
1. Gerunds as Subjects and Objects
Use the words to complete each sentence.
1. in the United States / is / studying
Studying in the United States is her dream.
2. dislikes / reading / she
____________________in English.

3. enjoyed / she / about / talking

_______________________________it years ago.

Grammar and Beyond ETM 3 © Cambridge University Press 2019 Photocopiable Test • Unit 12 1
 4. considering / are / her parents / going
with her.

5. passing / would be / not / the TOEFL

____________________a problem.

6. in another country / can be / living

difficult.

7. isn’t / not / applying

an option.

2. Gerunds After Prepositions and Fixed Expressions

Complete the sentences with the correct preposition and form of the verb in parentheses.
1. Are you worried about paying (pay) back your student loans?
2. Here is some useful advice that can help you be successful (pay)
off your loans quickly.
3. You should concentrate (make) your monthly payments, rather than
looking at the total amount you owe.
4. The way he deals with money, he should be warned (hurt) his credit
score.
5. If you are worried (forget) to make a payment, set up automatic
payments from your bank.
6. Remember that you are responsible (let) the lending bank know when
you move.
7. Start saving money now if you dream (retire) early.

3. Gerunds After Nouns + of

Use the words to complete each sentence.
1. of / a good education / getting / the cost
is increasing.

2. do not understand / of / Lola’s parents / the process / paying

her tuition.

3. waiting to pay / one / of / danger

is that they may forget to do it later.

4. decreasing / a way / hope there is / Lola and her parents / of

the tuition payments for Lola’s courses.

Grammar and Beyond ETM 3 © Cambridge University Press 2019 Photocopiable Test • Unit 12 2
 5. Lola / of / the importance / not spending / understands
more money than necessary.

6. any / possibility / not borrowing / of / if there is

money from a bank, Lola would be happy.

Part III
Use the words to write a complete sentence with a gerund. Use the indicated verb forms.
Add a preposition when necessary.
Simple Present
1. Andrea / be / guilty / make / a few late payments
Andrea is guilty of making a few late payments.
2. make / extra payments / be / a good idea

3. Bill / be / afraid / not get / enough financial aid

4. many students / be / interested / apply for the Grant

5. organize / financial / information / saves / time

Present Progressive
6. Abigail / have a difficult time / pay / back her loans.

7. many students / worry about / pay / all their bills

8. I / consider / go / to a community college to save money.

Simple Past
9. His parents / hear about / his habit / not pay / bills / on time.

10. Apply / for financial aid / be not / difficult.

11. He / have / an excuse for / miss / work yesterday.

Grammar and Beyond ETM 3 © Cambridge University Press 2019 Photocopiable Test • Unit 12 3
Part IV

Writing

Many colleges offer courses online. Have you considered studying online? What are the
advantages or disadvantages of enrolling in an online course?

Grammar and Beyond ETM 3 © Cambridge University Press 2019 Photocopiable Test • Unit 12 4