高級(jí)英語年月真題

00600202210

1、【單選題】Toachievesustainabledevelopmentofagriculture,comprehensive

utilizationofstrawandotherdeviceswill（）agoodopportunityfor

development.

liein

usherin

A:

fillin

B:

engagein

C:

答D:案：B

2、【單選題】Psychologistssaythatnightmarescan（）thementalstateand

possiblyre-strengthenthefearsthatcomeupinthedreams.

agitate

alleviate

A:

imitate

B:

motivate

C:

答D:案：A

3、【單選題】Thestandardsandvaluesthat（）onecultureareinsomecases

unintelligibletocitizensofothercountries.

elude

exclude

A:

pervade

B:

persuade

C:

答D:案：C

4、【單選題】Thesheervolumeofvisualdatais______toexploreby

conventionalmeans,butnowaneffortlessmethodisinvented.

generous

glamorous

A:

daunting

B:

rewarding

C:

答D:案：C

5、【單選題】Hegavemea(n)（）littlefrown,asthoughI'dmadeadistasteful

remarkinthepresenceofladies.

appreciative

reproachful

A:

imaginative

B:

thoughtful

C:

答D:案：B

6、【單選題】Thisactwillcauseproblemsandleadtocorruptpractices,（）

incentives,anddamagingpracticesinthefinancialsector.

perverse

perpetual

A:

converse

B:

conceptual

C:

答D:案：A

7、【單選題】Hekeptasternfaceandgavedirecteyecontactwiththepresident

andkeptfull（）.

compliment

composition

A:

compound

B:

composure

C:

答D:案：D

8、【單選題】Thereshouldbe（）six-monthjailtimeforthoseauthorizing

and/oractuallyengagedinviolence.

voluntary

regulatory

A:

mandatory

B:

derogatory

C:

答D:案：C

9、【單選題】Whetheryouchooseoneortwomuseums,youshouldreserveyour

ticketsinadvance,becauseyoudon'twantto（）timewaitinginline.

invest

devote

A:

B:

implore

squander

C:

答D:案：D

10、【單選題】Wearetryingto（）thedesireforlife-longlearninginyoung

mindswhichwillcarrythemwherevertheywanttogo.

fling

ignite

A:

disturb

B:

smoulder

C:

答D:案：B

11、【單選題】Don'tbe（）intothinkingyourhouseisburglarproof.

hallucinated

habituated

A:

deluded

B:

deluged

C:

答D:案：C

12、【單選題】Duetobeing（）,myweightwentbackupto145pounds,butit's

stillsmallerthanIwaslastyear.

sedentary

incidental

A:

mundane

B:

tranquil

C:

答D:案：A

13、【單選題】Atticusgoestocourttodefendablackmaninspiteof（）from

thepeopleheoncecalledfriends.

humility

hospitality

A:

hilarity

B:

hostility

C:

答D:案：D

14、【單選題】Inthemiddleofatangleofbranchestherearetreesbinding

themselvestoeachother,whoselonglimbsreachoutand（）.

entertain

entwine

A:

twiddle

B:

paddle

C:

答D:案：B

15、【單選題】Researchersarguethatthesunhasbeengrowingsteadilystronger

（）30%overtheearth'shistory.

inthenameof

forthesakeof

A:

onaccountof

B:

tothetuneof

C:

答D:案：D

16、【單選題】(1)LeslieTayneisafinancialatorneyspecializingindebtand

studentloans.Sheisn'timmunetothestressthatcomeswithpayingforcollege,

butshedoeshaveasecretweaponthathashelpedherandherfamily

addressfinancialissueshead-on:she'sbeentalkingtoherkidsaboutcollege

costssincetheywereinmiddleschool.Withfivechildrenincollegeatthe

sametime,Taynehasseenfirsthandhowcriticalthoseconversationshavebeen

whenitcomestosettingexpectationsandkeepingherloanobligationsin

check.“Parentsandkidsshoulddefinitelybeworkingtogetherintermsofpaying

forhighereducation,"shesaid.【“Thereshouldbeopendiscussionsabout

thoseloanobligations,evenifyou'renotexpectingyourkidtopay

orcontribute."】(2)Accordingtoarecentsurvey,85%ofparentsagreedthat

theyshouldhelptheirchildpayforcollege.However,68%ofparentsexpecttheir

childtohelppayforcollege.Startingthosetalksassoonaspossibleis

importantbecausefinancialconsiderationsmayimpactwhereyourchildrendecide

togotoschool.Ifeveryonehasanaccurateunderstandingofwhattoexpectwhen

itcomestofinances,youandyourfamilycancometothemost

practicalconclusionsaboutwheretoapply.“Westartedtalkingearly,around

middleschool,aboutthediferenttypesofschools:thattherearestateschools

andprivateschools,andthattherewasacosttothat,"Taynesaid.(3)In

addition,aconversationaboutfinancingcollegecostscanbeagreatwaytotouch

onotherimportantfinancialtopicsatthesametime.Forexample,parentscantake

theopportunitytodiscusshowtheirchildwillbudgetfortheirdailyexpensesor

setexpectationsaboutwhethertheyexpecttheirchildtogetajobduringthe

schoolyear,duringthesummerorboth.“Formepersonally,【onethingIfound

thatwasreallyhelpfulwaseamingmoneyduringhighschoolandhavingsavings，so

thatwhenIwasincollege，Iwouldhavedailyspendingmoney，"】GabrielleTayne

said.“Iwouldn'tbeconstantlyaskingmyparentstosendmemoneyforpersonal

thingsthatIwantedtobuy."(4)Herdaughter,Gabrielle,wasappreciativeof

thedialogueandthesubsequentfinancialeducationthatshegotbywatchingher

momoperate.NowarisingjuniorattheUniversityofDelaware,sheadmittedthat

sheknewnothingabouttheprocessoftakingoutloansbeforeshebeganapplying.

“Mymomdefinitelywasveryhelpfulduringthewholeprocess,"Gabrielle

Taynesaid.“Shewaswithmeeverystepoftheway."Inadditiontofllingout

theFreeApplicationforFederalStudentAid(FAFSA),【LeslieTaynewasable

touseherprofessionalknowledgetoseekoutaprivatestudentloanthat

couldhelpgiveherfamilysomefinancialbreathingroom.】“Wewerelookingfor

averyspecifictypeofprivatestudentloan-notjustaparentPLUSloan,but

aprivatestudentloanthatwouldallowaneventualreleaseofaco-signer,"

shesaid.“SoIknewthatIwaslookingforveryspecifictermswhenIwas

lookingatthosedifferentlenders."(5)PrivatelenderslikeCollegeAveStudent

Loans,forexample,offerloansthatallowstudentborrowerstorequestthe

releaseoftheirco-signersaftermeetingcertainrequirements.Alternatively,

theyalsoofferparentloansthatallowparentstotakefullresponsibilityfora

loan.AnotherimportantaspectofaprivateloanthatLeslieTaynepointedoutis

theabilitytomakemonthlypaymentstodecreasethecostovertimebylowering

totalinterestcosts.“Weactuallymakepaymentsearly,eventhoughwerenot

requiredtodoso,"shesaid."Everymonth,wegoinand【manually【“There

shouldbeopendiscussionsaboutthoseloanobligations,evenifyou'renot

expectingyourkidtopayorcontribute."】(2)Accordingtoarecentsurvey,85%

ofparentsagreedthattheyshouldhelptheirchildpayforcollege.However,68%

ofparentsexpecttheirchildtohelppayforcollege.Startingthosetalksas

soonaspossibleisimportantbecausefinancialconsiderationsmayimpactwhere

yourchildrendecidetogotoschool.Ifeveryonehasanaccurateunderstandingof

whattoexpectwhenitcomestofinances,youandyourfamilycancometothemost

practicalconclusionsaboutwheretoapply.“Westartedtalkingearly,around

middleschool,aboutthediferenttypesofschools:thattherearestateschools

andprivateschools,andthattherewasacosttothat,"Taynesaid.(3)In

addition,aconversationaboutfinancingcollegecostscanbeagreatwaytotouch

onotherimportantfinancialtopicsatthesametime.Forexample,parentscantake

theopportunitytodiscusshowtheirchildwillbudgetfortheirdailyexpensesor

setexpectationsaboutwhethertheyexpecttheirchildtogetajobduringthe

schoolyear,duringthesummerorboth.“Formepersonally,【onethingIfound

thatwasreallyhelpfulwaseamingmoneyduringhighschoolandhavingsavings，so

thatwhenIwasincollege，Iwouldhavedailyspendingmoney，"】GabrielleTayne

said.“Iwouldn'tbeconstantlyaskingmyparentstosendmemoneyforpersonal

thingsthatIwantedtobuy."(4)Herdaughter,Gabrielle,wasappreciativeof

thedialogueandthesubsequentfinancialeducationthatshegotbywatchingher

momoperate.NowarisingjuniorattheUniversityofDelaware,sheadmittedthat

sheknewnothingabouttheprocessoftakingoutloansbeforeshebeganapplying.

“Mymomdefinitelywasveryhelpfulduringthewholeprocess,"Gabrielle

Taynesaid.“Shewaswithmeeverystepoftheway."Inadditiontofllingout

theFreeApplicationforFederalStudentAid(FAFSA),【LeslieTaynewasable

touseherprofessionalknowledgetoseekoutaprivatestudentloanthat

couldhelpgiveherfamilysomefinancialbreathingroom.】“Wewerelookingfor

averyspecifictypeofprivatestudentloan-notjustaparentPLUSloan,but

aprivatestudentloanthatwouldallowaneventualreleaseofaco-signer,"

shesaid.“SoIknewthatIwaslookingforveryspecifictermswhenIwas

lookingatthosedifferentlenders."(5)PrivatelenderslikeCollegeAveStudent

Loans,forexample,offerloansthatallowstudentborrowerstorequestthe

releaseoftheirco-signersaftermeetingcertainrequirements.Alternatively,

theyalsoofferparentloansthatallowparentstotakefullresponsibilityfora

loan.AnotherimportantaspectofaprivateloanthatLeslieTaynepointedoutis

theabilitytomakemonthlypaymentstodecreasethecostovertimebylowering

totalinterestcosts.“Weactuallymakepaymentsearly,eventhoughwerenot

requiredtodoso,"shesaid."Everymonth,wegoinand【manually】makea

paymentonthestudentloanssothatwhenthekidsgraduate,thebalanceswillbe

lower.There'snospecificdollaramount,butwe'vebudgetedacertaindollar

amountforeachoneofthekids'loanspermonth."(6)Ifyouneedtoborrowto

payforcollege,looktofederalloansinthestudent'snamefirstsincetheycome

withlowfixedratesandspecialbenefits,likeincome-basedrepayment.Since

thereareannualloanlimitstofederalloans,takingoutprivatestudentloansare

oneoptiontocoverthefinancialgap.Privatestudentloanscanalsohelpgive

familiesafinancial【cushion】tohelpensurethattheycancoverother

financialpriorities,likepayingforretirement.(7)“Oneofthebiggestpieces

ofthepuzzleatthispointintimeis:howmuchshouldweputtowardscollege?"

LeslieTaynesaid.“Andthenhowmuchareweputtingtowardsretirement?Andalso

balancingthatwithourday-to-dayexpenses."Fornow,LeslieTayneistheone

doingmostofthebalancing.【GabrielleTayneisn'tcontributingtopayingdown

herstudentloansyet,butshe'shaddiscussionsaboutherexpectedcontributions

overthelongterm.】(8)Inthemeantime,LeslieTaynesaidshehopesthat

havingafullappreciationfortheburdensomecostsofcollegewillserveasa

motivatingfactorforherdaughtertosuceed.【“Sheunderstandsthatthereisa

hugecostandaninvestmentthatI'vemadeintohereducation、andthatI'mthere

forherandI'msupportiveofit,】butthatshealsohastocontributeinher

way,whichishergradesandherperformancewhileshe'satschool,"Leslie

Taynesaid.(9)GabrielleTayneiscertainlysettinghersightsandherambitions

high;whenshefinishesherundergraduatedegreeinhealthbehaviorscience,

sheplanstoattendmedicalschool.“Highereducationmeanspursuing

moreknowledgeinthingsthatI'mactuallyinterestedinandsubjectsthatI

canfocusmoreonandhaveacareerpathin,"shesaid.Withalotofhardworkand

alittlebitofluck,thatcareerpathwillputherinagreatposition

tosuccessfullypaybackhercollegeloans.WhatcanwelearnaboutLeslie

TaynefromParagraph1?

She'stalkedtoherkidstorevisetheirexpectationsforcollege.

Herexpertisehelpstoaddressherfamily'sfinancialproblems.

A:

Shewenttocollegetogetherwithherotherfivesiblings.

B:

Hersavingsweresufficientforherchildren'seducation.

C:

答D:案：B

17、【單選題】(1)LeslieTayneisafinancialatorneyspecializingindebtand

studentloans.Sheisn'timmunetothestressthatcomeswithpayingforcollege,

butshedoeshaveasecretweaponthathashelpedherandherfamily

addressfinancialissueshead-on:she'sbeentalkingtoherkidsaboutcollege

costssincetheywereinmiddleschool.Withfivechildrenincollegeatthe

sametime,Taynehasseenfirsthandhowcriticalthoseconversationshavebeen

whenitcomestosettingexpectationsandkeepingherloanobligationsin

check.“Parentsandkidsshoulddefinitelybeworkingtogetherintermsofpaying

forhighereducation,"shesaid.【“Thereshouldbeopendiscussionsabout

thoseloanobligations,evenifyou'renotexpectingyourkidtopay

orcontribute."】(2)Accordingtoarecentsurvey,85%ofparentsagreedthat

theyshouldhelptheirchildpayforcollege.However,68%ofparentsexpecttheir

childtohelppayforcollege.Startingthosetalksassoonaspossibleis

importantbecausefinancialconsiderationsmayimpactwhereyourchildrendecide

togotoschool.Ifeveryonehasanaccurateunderstandingofwhattoexpectwhen

itcomestofinances,youandyourfamilycancometothemost

practicalconclusionsaboutwheretoapply.“Westartedtalkingearly,around

middleschool,aboutthediferenttypesofschools:thattherearestateschools

andprivateschools,andthattherewasacosttothat,"Taynesaid.(3)In

addition,aconversationaboutfinancingcollegecostscanbeagreatwaytotouch

onotherimportantfinancialtopicsatthesametime.Forexample,parentscantake

theopportunitytodiscusshowtheirchildwillbudgetfortheirdailyexpensesor

setexpectationsaboutwhethertheyexpecttheirchildtogetajobduringthe

schoolyear,duringthesummerorboth.“Formepersonally,【onethingIfound

thatwasreallyhelpfulwaseamingmoneyduringhighschoolandhavingsavings，so

thatwhenIwasincollege，Iwouldhavedailyspendingmoney，"】GabrielleTayne

said.“Iwouldn'tbeconstantlyaskingmyparentstosendmemoneyforpersonal

thingsthatIwantedtobuy."(4)Herdaughter,Gabrielle,wasappreciativeof

thedialogueandthesubsequentfinancialeducationthatshegotbywatchingher

momoperate.NowarisingjuniorattheUniversityofDelaware,sheadmittedthat

sheknewnothingabouttheprocessoftakingoutloansbeforeshebeganapplying.

“Mymomdefinitelywasveryhelpfulduringthewholeprocess,"Gabrielle

Taynesaid.“Shewaswithmeeverystepoftheway."Inadditiontofllingout

theFreeApplicationforFederalStudentAid(FAFSA),【LeslieTaynewasable

touseherprofessionalknowledgetoseekoutaprivatestudentloanthat

couldhelpgiveherfamilysomefinancialbreathingroom.】“Wewerelookingfor

averyspecifictypeofprivatestudentloan-notjustaparentPLUSloan,but

aprivatestudentloanthatwouldallowaneventualreleaseofaco-signer,"

shesaid.“SoIknewthatIwaslookingforveryspecifictermswhenIwas

lookingatthosedifferentlenders."(5)PrivatelenderslikeCollegeAveStudent

Loans,forexample,offerloansthatallowstudentborrowerstorequestthe

releaseoftheirco-signersaftermeetingcertainrequirements.Alternatively,

theyalsoofferparentloansthatallowparentstotakefullresponsibilityfora

loan.AnotherimportantaspectofaprivateloanthatLeslieTaynepointedoutis

theabilitytomakemonthlypaymentstodecreasethecostovertimebylowering

totalinterestcosts.“Weactuallymakepaymentsearly,eventhoughwerenot

requiredtodoso,"shesaid."Everymonth,wegoinand【manually】makea

paymentonthestudentloanssothatwhenthekidsgraduate,thebalanceswillbe

lower.There'snospecificdollaramount,butwe'vebudgetedacertaindollar

amountforeachoneofthekids'loanspermonth."(6)Ifyouneedtoborrowto

payforcollege,looktofederalloansinthestudent'snamefirstsincetheycome

withlowfixedratesandspecialbenefits,likeincome-basedrepayment.Since

thereareannualloanlimitstofederalloans,takingoutprivatestudentloansare

oneoptiontocoverthefinancialgap.Privatestudentloanscanalsohelpgive

familiesafinancial【cushion】tohelpensurethattheycancoverother

financialpriorities,likepayingforretirement.(7)“Oneofthebiggestpieces

ofthepuzzleatthispointintimeis:howmuchshouldweputtowardscollege?"

LeslieTaynesaid.“Andthenhowmuchareweputtingtowardsretirement?Andalso

balancingthatwithourday-to-dayexpenses."Fornow,LeslieTayneistheone

doingmostofthebalancing.【GabrielleTayneisn'tcontributingtopayingdown

herstudentloansyet,butshe'shaddiscussionsaboutherexpectedcontributions

overthelongterm.】(8)Inthemeantime,LeslieTaynesaidshehopesthat

havingafullappreciationfortheburdensomecostsofcollegewillserveasa

motivatingfactorforherdaughtertosuceed.【“Sheunderstandsthatthereisa

hugecostandaninvestmentthatI'vemadeintohereducation、andthatI'mthere

forherandI'msupportiveofit,】butthatshealsohastocontributeinher

way,whichishergradesandherperformancewhileshe'satschool,"Leslie

Taynesaid.(9)GabrielleTayneiscertainlysettinghersightsandherambitions

high;whenshefinishesherundergraduatedegreeinhealthbehaviorscience,

sheplanstoattendmedicalschool.“Highereducationmeanspursuing

moreknowledgeinthingsthatI'mactuallyinterestedinandsubjectsthatI

canfocusmoreonandhaveacareerpathin,"shesaid.Withalotofhardworkand

alittlebitofluck,thatcareerpathwillputherinagreatposition

tosuccessfullypaybackhercollegeloans.AccordingtoParagraph2,itis

suggestedthat（）.

childrenshouldapplyforschoolsoftheirownchoice

childrenshouldpayforcollegetuitionfeesontheirown

A:

parentsshouldhelpstraightenouttheirchildren'sfinances

B:

parentsshouldhaveearlytalkstotheirchildrenaboutfinances

C:

答D:案：D

18、【單選題】(1)LeslieTayneisafinancialatorneyspecializingindebtand

studentloans.Sheisn'timmunetothestressthatcomeswithpayingforcollege,

butshedoeshaveasecretweaponthathashelpedherandherfamily

addressfinancialissueshead-on:she'sbeentalkingtoherkidsaboutcollege

costssincetheywereinmiddleschool.Withfivechildrenincollegeatthe

sametime,Taynehasseenfirsthandhowcriticalthoseconversationshavebeen

whenitcomestosettingexpectationsandkeepingherloanobligationsin

check.“Parentsandkidsshoulddefinitelybeworkingtogetherintermsofpaying

forhighereducation,"shesaid.【“Thereshouldbeopendiscussionsabout

thoseloanobligations,evenifyou'renotexpectingyourkidtopay

orcontribute."】(2)Accordingtoarecentsurvey,85%ofparentsagreedthat

theyshouldhelptheirchildpayforcollege.However,68%ofparentsexpecttheir

childtohelppayforcollege.Startingthosetalksassoonaspossibleis

importantbecausefinancialconsiderationsmayimpactwhereyourchildrendecide

togotoschool.Ifeveryonehasanaccurateunderstandingofwhattoexpectwhen

itcomestofinances,youandyourfamilycancometothemost

practicalconclusionsaboutwheretoapply.“Westartedtalkingearly,around

middleschool,aboutthediferenttypesofschools:thattherearestateschools

andprivateschools,andthattherewasacosttothat,"Taynesaid.(3)In

addition,aconversationaboutfinancingcollegecostscanbeagreatwaytotouch

onotherimportantfinancialtopicsatthesametime.Forexample,parentscantake

theopportunitytodiscusshowtheirchildwillbudgetfortheirdailyexpensesor

setexpectationsaboutwhethertheyexpecttheirchildtogetajobduringthe

schoolyear,duringthesummerorboth.“Formepersonally,【onethingIfound

thatwasreallyhelpfulwaseamingmoneyduringhighschoolandhavingsavings，so

thatwhenIwasincollege，Iwouldhavedailyspendingmoney，"】GabrielleTayne

said.“Iwouldn'tbeconstantlyaskingmyparentstosendmemoneyforpersonal

thingsthatIwantedtobuy."(4)Herdaughter,Gabrielle,wasappreciativeof

thedialogueandthesubsequentfinancialeducationthatshegotbywatchingher

momoperate.NowarisingjuniorattheUniversityofDelaware,sheadmittedthat

sheknewnothingabouttheprocessoftakingoutloansbeforeshebeganapplying.

“Mymomdefinitelywasveryhelpfulduringthewholeprocess,"Gabrielle

Taynesaid.“Shewaswithmeeverystepoftheway."Inadditiontofllingout

theFreeApplicationforFederalStudentAid(FAFSA),【LeslieTaynewasable

touseherprofessionalknowledgetoseekoutaprivatestudentloanthat

couldhelpgiveherfamilysomefinancialbreathingroom.】“Wewerelookingfor

averyspecifictypeofprivatestudentloan-notjustaparentPLUSloan,but

aprivatestudentloanthatwouldallowaneventualreleaseofaco-signer,"

shesaid.“SoIknewthatIwaslookingforveryspecifictermswhenIwas

lookingatthosedifferentlenders."(5)PrivatelenderslikeCollegeAveStudent

Loans,forexample,offerloansthatallowstudentborrowerstorequestthe

releaseoftheirco-signersaftermeetingcertainrequirements.Alternatively,

theyalsoofferparentloansthatallowparentstotakefullresponsibilityfora

loan.AnotherimportantaspectofaprivateloanthatLeslieTaynepointedoutis

theabilitytomakemonthlypaymentstodecreasethecostovertimebylowering

totalinterestcosts.“Weactuallymakepaymentsearly,eventhoughwerenot

requiredtodoso,"shesaid."Everymonth,wegoinand【manually】makea

paymentonthestudentloanssothatwhenthekidsgraduate,thebalanceswillbe

lower.There'snospecificdollaramount,butwe'vebudgetedacertaindollar

【“Thereshouldbeopendiscussionsaboutthoseloanobligations,evenifyou're

notexpectingyourkidtopayorcontribute."】(2)Accordingtoarecentsurvey,

85%ofparentsagreedthattheyshouldhelptheirchildpayforcollege.However,

68%ofparentsexpecttheirchildtohelppayforcollege.Startingthosetalksas

soonaspossibleisimportantbecausefinancialconsiderationsmayimpactwhere

yourchildrendecidetogotoschool.Ifeveryonehasanaccurateunderstandingof

whattoexpectwhenitcomestofinances,youandyourfamilycancometothemost

practicalconclusionsaboutwheretoapply.“Westartedtalkingearly,around

middleschool,aboutthediferenttypesofschools:thattherearestateschools

andprivateschools,andthattherewasacosttothat,"Taynesaid.(3)In

addition,aconversationaboutfinancingcollegecostscanbeagreatwaytotouch

onotherimportantfinancialtopicsatthesametime.Forexample,parentscantake

theopportunitytodiscusshowtheirchildwillbudgetfortheirdailyexpensesor

setexpectationsaboutwhethertheyexpecttheirchildtogetajobduringthe

schoolyear,duringthesummerorboth.“Formepersonally,【onethingIfound

thatwasreallyhelpfulwaseamingmoneyduringhighschoolandhavingsavings，so

thatwhenIwasincollege，Iwouldhavedailyspendingmoney，"】GabrielleTayne

said.“Iwouldn'tbeconstantlyaskingmyparentstosendmemoneyforpersonal

thingsthatIwantedtobuy."(4)Herdaughter,Gabrielle,wasappreciativeof

thedialogueandthesubsequentfinancialeducationthatshegotbywatchingher

momoperate.NowarisingjuniorattheUniversityofDelaware,sheadmittedthat

sheknewnothingabouttheprocessoftakingoutloansbeforeshebeganapplying.

“Mymomdefinitelywasveryhelpfulduringthewholeprocess,"Gabrielle

Taynesaid.“Shewaswithmeeverystepoftheway."Inadditiontofllingout

theFreeApplicationforFederalStudentAid(FAFSA),【LeslieTaynewasable

touseherprofessionalknowledgetoseekoutaprivatestudentloanthat

couldhelpgiveherfamilysomefinancialbreathingroom.】“Wewerelookingfor

averyspecifictypeofprivatestudentloan-notjustaparentPLUSloan,but

aprivatestudentloanthatwouldallowaneventualreleaseofaco-signer,"

shesaid.“SoIknewthatIwaslookingforveryspecifictermswhenIwas

lookingatthosedifferentlenders."(5)PrivatelenderslikeCollegeAveStudent

Loans,forexample,offerloansthatallowstudentborrowerstorequestthe

releaseoftheirco-signersaftermeetingcertainrequirements.Alternatively,

theyalsoofferparentloansthatallowparentstotakefullresponsibilityfora

loan.AnotherimportantaspectofaprivateloanthatLeslieTaynepointedoutis

theabilitytomakemonthlypaymentstodecreasethecostovertimebylowering

totalinterestcosts.“Weactuallymakepaymentsearly,eventhoughwerenot

requiredtodoso,"shesaid."Everymonth,wegoinand【manually】makea

paymentonthestudentloanssothatwhenthekidsgraduate,thebalanceswillbe

lower.There'snospecificdollaramount,butwe'vebudgetedacertaindollar

amountforeachoneofthekids'loanspermonth."(6)Ifyouneedtoborrowto

payforcollege,looktofederalloansinthestudent'snamefirstsincetheycome

withlowfixedratesandspecialbenefits,likeincome-basedrepayment.Since

thereareannualloanlimitstofederalloans,takingoutprivatestudentloansare

oneoptiontocoverthefinancialgap.Privatestudentloanscanalsohelpgive

familiesafinancial【cushion】tohelpensurethattheycancoverother

financialpriorities,likepayingforretirement.(7)“Oneofthebiggestpieces

ofthepuzzleatthispointintimeis:howmuchshouldweputtowardscollege?"

LeslieTaynesaid.“Andthenhowmuchareweputtingtowardsretirement?Andalso

balancingthatwithourday-to-dayexpenses."Fornow,LeslieTayneistheone

doingmostofthebalancing.【GabrielleTayneisn'tcontributingtopayingdown

herstudentloansyet,butshe'shaddiscussionsaboutherexpectedcontributions

overthelongterm.】(8)Inthemeantime,LeslieTaynesaidshehopesthat

havingafullappreciationfortheburdensomecostsofcollegewillserveasa

motivatingfactorforherdaughtertosuceed.【“Sheunderstandsthatthereisa

hugecostandaninvestmentthatI'vemadeintohereducation、andthatI'mthere

forherandI'msupportiveofit,】butthatshealsohastocontributeinher

way,whichishergradesandherperformancewhileshe'satschool,"Leslie

Taynesaid.(9)GabrielleTayneiscertainlysettinghersightsandherambitions

high;whenshefinishesherundergraduatedegreeinhealthbehaviorscience,

sheplanstoattendmedicalschool.“Highereducationmeanspursuing

moreknowledgeinthingsthatI'mactuallyinterestedinandsubjectsthatI

canfocusmoreonandhaveacareerpathin,"shesaid.Withalotofhardworkand

alittlebitofluck,thatcareerpathwillputherinagreatposition

tosuccessfullypaybackhercollegeloans.InParagraph4,the

word“rising”means（）.

abouttobecome

abouttograduate

A:

growing

B:

soaring

C:

答D:案：A

19、【單選題】(1)LeslieTayneisa