Here are the appropriate articles for each blank:

1. I am studying in **a** university in Ho Chi Minh City.
2. Miss Lin speaks **x** Chinese.
3. I borrowed **a** pen from your pile of pencils and pens.
4. Eli likes to play **x** football.
5. I bought **an** umbrella to go out in the rain.
6. I lived on **x** Main Street when I first came to town.
7. Albany is the capital of **x** New York State.
8. My husband’s family speaks **x** Polish.
9. **An** apple a day keeps your enemy away.
10. Our neighbors have **a** cat and **a** dog.