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请大家为我做一下解释：
In buying insurance,a working person agrees to pay a set sum of money every month or at other regular intervals.
开头用为什么in，表示什么？
A set sum of是词组吗？表示什么意思？
at other regular intervals是什么意思？
In exchange 是什么意思？
The cost of higher education is usually paid by a combination of private savings，income from a part-time job held by the student，and low interest loans or grants of money given to needy students by the federal government but administered by the university.
其中的low interest loans or grants of money是什么意思?其中为什么用interest呢?
这是另一篇关于“工作”的阅读理解：
我对其中几点不懂：
A box boy 是什么意思？
Take a quarter是什么意思？
这是关于收小费的句子：it gets to a point where you almost have to hurt a person physically to prevent him from tipping you，这里的it gets to a point是什么意思？难道是表示“重点”？
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