【題目】A 28－year－old accountant is debt free in less than four years.

Logan Marston _______ten loans that totaled $ 73,372.In May 2012，he _______a bachelor's degree and completed his master's degree in _______ a year later.He was surprised at the _______ amount of debt when it was time to pay off his student loans.He had an idea in his head it was going to be five _______，but he didn't know it was going to be that much.He accrued(積累) at least$ 6,000 in new interest from the time he started paying them off in December 2013 to when he _______finished in May 2017.It was the interest he was paying that_______him to minimize the total amount as quickly as possible.After landing a job as an accountant，he began _______ the debt.

“There wasn't any kind of _______，” Marston said.“I was just living as _______as possible—doing everything I could to save money like_______rent with roommates.I kept a very low_______reserve.I didn't have any emergency cash.Whatever I_______，I paid the loans with it without any _______spending.”

He took_______of a 0.25 percent interest rate reduction by signing up for an_______repayment plan.On average，he was able to pay from $1,000 to $1,500 a month_______toward his loans，in addition to the $796 standard payment that he was charged each month.

_______advice to other graduates expecting to _______themselves of debt，Marston said to deal with the loans with the highest interest rate first.“Don't think there's some secret.It's just_______and anyone can achieve what I achieved.”

【1】A. secured B. settled C. obtained D. provided

【2】A. received B. pursued C. searched D. showed

【3】A. educating B. accounting C. engineering D. advertising

【4】A. full B. equal C. high D. fixed

【5】A. figures B. points C. zeros D. loans

【6】A. constantly B. suddenly C. slowly D. finally

【7】A. expected B. persuaded C. motivated D. advised

【8】A. holding back B. ringing back C. looking back D. paying back

【9】A. promise B. secret C. trouble D. help

【10】A. simply B. happily C. carefully D. differently

【11】A. reducing B. requiring C. splitting D. collecting

【12】A. debt B. wealth C. interest D. cash

【13】A. earned B. saved C. borrowed D. undertook

【14】A. public B. household C. unpractical D. unnecessary

【15】A. advantage B. charge C. hold D. place

【16】A. official B. entire C. automatic D. early

【17】A. extra B. average C. total D. rest

【18】A. Apart from B. As for C. Because of D. Thanks to

【19】A. inform B. convince C. rid D. cure

【20】A. qualification B. competence C. determination D. discipline

【答案】

【1】B

【2】A

【3】B

【4】C

【5】A

【6】D

【7】C

【8】D

【9】B

【10】A

【11】C

【12】D

【13】B

【14】D

【15】A

【16】C

【17】A

【18】B

【19】C

【20】D

【解析】

本文是一篇記敘文。一個(gè)28歲的會(huì)計(jì)師在不到四年的時(shí)間里就沒有債務(wù)了。文章敘述了還債的經(jīng)過。

【1】考查動(dòng)詞。A. secured擔(dān)保；B. settled解決，定居；C. obtained獲得；D. provided提供。根據(jù)Logan Marston ___1___ten loans that totaled $ 73,372.In May 2012，he ___2___a bachelor's degree and completed his master's degree in ___3___ a year later.可知，Logan Marston完成了10筆貸款，總計(jì)73,372美元。2012年5月，他獲得了學(xué)士學(xué)位，并在一年后完成了會(huì)計(jì)碩士學(xué)位。故選B。

【2】考查動(dòng)詞。A. received收到；B. pursued追擊；C. searched 搜尋；D. showed展示。根據(jù)Logan Marston ___1___ten loans that totaled $ 73,372.In May 2012，he ___2___a bachelor's degree and completed his master's degree in ___3___ a year later.可知，Logan Marston完成了10筆貸款，總計(jì)73,372美元。2012年5月，他獲得了學(xué)士學(xué)位，并在一年后完成了會(huì)計(jì)碩士學(xué)位。故選A。

【3】考查動(dòng)詞。A. educating教育；B. accounting解釋，敘述；C. engineering設(shè)計(jì)；D. advertising為---做廣告。根據(jù)Logan Marston ___1___ten loans that totaled $ 73,372.In May 2012，he ___2___a bachelor's degree and completed his master's degree in ___3___ a year later.可知，Logan Marston完成了10筆貸款，總計(jì)73,372美元。2012年5月，他獲得了學(xué)士學(xué)位，并在一年后完成了會(huì)計(jì)碩士學(xué)位。故選B。

【4】考查形容詞。A. full 滿的；B. equal平等的；C. high高的；D. fixed固定的。根據(jù)He was surprised at the ___4___ amount of debt when it was time to pay off his student loans.可知，當(dāng)他償還學(xué)生貸款的時(shí)候，他對高額的債務(wù)感到驚訝。故選C。

【5】考查名詞。A. figures數(shù)字，人物；B. points觀點(diǎn)；C. zeros零點(diǎn)；D. loans負(fù)擔(dān)。根據(jù)He had an idea in his head it was going to be five ___5___，but he didn't know it was going to be that much.可知，他腦子里有個(gè)想法，那就是五位數(shù)，但他不知道會(huì)有那么多。故選A。

【6】考查副詞。A. constantly不斷地；B. suddenly突然地；C. slowly慢慢地； D. finally最后。根據(jù)He accrued(積累) at least$ 6,000 in new interest from the time he started paying them off in December 2013 to when he ___6___finished in May 2017.可知，他從2013年12月開始支付這些錢，到2017年5月最終完成時(shí)，他的新興趣至少增加了6000美元。故選D。

【7】考查動(dòng)詞。A. expected預(yù)測，期盼；B. persuaded規(guī)勸；C. motivated推動(dòng)；D. advised建議。根據(jù)It was the interest he was paying that___7___him to minimize the total amount as quickly as possible.可知，正是他所支付的利息促使他盡可能快地將總金額降到最低。故選C。

【8】考查動(dòng)詞詞組。A. holding back隱瞞，退縮；B. ringing back回電話；C. looking back回首；D. paying back償還。根據(jù)After landing a job as an accountant，he began ___8___ the debt.可知，在找到一份會(huì)計(jì)工作后，他開始償還債務(wù)。故選D。

【9】考查名詞。A. promise許諾；B. secret秘密；C. trouble 麻煩；D. help幫助。根據(jù)“There wasn't any kind of ___9___，” Marston said.可知，“沒有任何秘密，”Marston說。故選B。

【10】考查副詞。A. simply只是，僅僅；B. happily高興地；C. carefully細(xì)心地；D. differently不相同地。根據(jù)“I was just living as ___10___as possible—doing everything I could to save money like___11___rent with roommates.可知，“我只是盡可能地過著生活——盡我所能去省錢，喜歡和室友們一起租房。”故選A。

【11】考查動(dòng)詞。A. reducing減少；B. requiring需要；C. splitting裂開；D. collecting收集。根據(jù)“I was just living as ___10___as possible—doing everything I could to save money like___11___rent with roommates.可知，“我只是盡可能地過著生活——盡我所能去省錢，喜歡和室友們一起租房。”故選C。

【12】考查名詞。A. debt債務(wù)；B. wealth財(cái)富；C. interest 興趣；D. cash現(xiàn)金。根據(jù)I kept a very low___12___reserve.可知，我的現(xiàn)金儲(chǔ)備很低。故選D。

【13】考查動(dòng)詞。A. earned掙得；B. saved挽救，節(jié)約；C. borrowed借入；D. undertook承擔(dān)。根據(jù)Whatever I___13___，I paid the loans with it without any ___14___spending.可知，無論我存了什么錢，我都不用花任何不必要的錢就用它來償還貸款。故選B。

【14】考查形容詞。A. public公眾的；B. household家庭的；C. unpractical不實(shí)用的；D. unnecessary不必要的。根據(jù)Whatever I___13___，I paid the loans with it without any ___14___spending.可知，無論我存了什么錢，我都不用花任何不必要的錢就用它來償還貸款。故選D。

【15】考查固定搭配。A. take advantage ofB. take charge of負(fù)責(zé)；C. take hold of 握��；D. take place發(fā)生。根據(jù)He took___15___of a 0.25 percent interest rate reduction by signing up for an___16___repayment plan.可知，他通過簽署一項(xiàng)自動(dòng)還款計(jì)劃，利用了0.25%的利率下降。故選A。

【16】考查形容詞。A. official官方的；B. entire全部的；C. automatic自動(dòng)的； D. early早的。根據(jù)He took___15___of a 0.25 percent interest rate reduction by signing up for an___16___repayment plan.可知，他通過簽署一項(xiàng)自動(dòng)還款計(jì)劃，利用了0.25%的利率下降。故選C。

【17】考查形容詞。A. extra額外的；B. average平均的；C. total全部的；D. rest休息。根據(jù)On average，he was able to pay from $1,000 to $1,500 a month___17___toward his loans，in addition to the $796 standard payment that he was charged each month.可知，平均而言，除了每月支付的796美元的標(biāo)準(zhǔn)費(fèi)用外，他還能從每月1000美元到1500美元的貸款中支付額外的費(fèi)用。故選A。

【18】考查詞組。A. Apart from除---之外；B. As for至于；C. Because of因?yàn)椋?/span> D. Thanks to多虧了。根據(jù)___18___advice to other graduates expecting to ___19___themselves of debt，Marston said to deal with the loans with the highest interest rate first.可知，至于對其他希望擺脫債務(wù)的畢業(yè)生的建議，Marston說，首先要用最高的利率來處理這些貸款。故選B。

【19】考查動(dòng)詞。A. inform 告知；B. convince使確信；C. rid使擺脫；D. cure治愈。根據(jù)___18___advice to other graduates expecting to ___19___themselves of debt，Marston said to deal with the loans with the highest interest rate first.可知，至于對其他希望擺脫債務(wù)的畢業(yè)生的建議，Marston說，首先要用最高的利率來處理這些貸款。故選C。

【20】考查名詞。A. qualification資格；B. competence勝任；C. determination決心；D. discipline紀(jì)律。根據(jù)It's just___20___and anyone can achieve what I achieved.可知，這是一種訓(xùn)練，任何人都可以實(shí)現(xiàn)我所取得的成就。故選D。

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