Like so many other students. Mikhail took out her loans on a kind of blind faith that she could deal with the consequences. "You say to yourself, 'I have to go into debt to make it work, and whatever it takes later, I'll manage.'" Later has now arrived, and Mikhail is finding out the true cost of her college degree.

　　1. Griffith worked for a firm that specialized in economic development in Washington D.C. because she needed money to pay for her debt.

　　2. The only problem the students are facing at graduation is the dismal job market.

　　3. One reason why colleges increase tuition and fees is that the state support is shrinking.

　　4. Nearly all the families can manage to meet the soaring tuition costs through various investment plans.

　　5. According to Nadine's calculation, she can pay off all her debt when she is ________ if she can get a salary of $120,000 a year right out of law school.

　　6. Students get money from not only federal loans but also ________.

　　7. The college department or association can get payments from the issuer if it sanctions credit cards decorated with ________.

　　8. O'Donnell thinks that the cause of her 22-year-old son's suicide is ________.

　　9. The author says that foregoing a college education is often not a wise choice because ________ of the 50 highest paying jobs require a four-year college degree except for air traffic controllers and nuclear power reactor operators.

　　10. Merit will have to start with a more lucrative legal job instead of her favorite position—a public-interest attorney because she has to ________.

　　Part III Listening Comprehension (35 minutes)

　　Section A

　　Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked [A], [B], [C] and [D], and decide which is the best answer. Then mark the corresponding letter on Answer Sheet 2 with a single line through the center.

　　11. [A] Husband and wife. [B] Doctor and nurse.

　　[C] Sales clerk and customer. [D] Airline agent and customer.

　　12. [A] He's a secretary. [B] He's a novelist.

　　[C] He's newspaperman. [D] He's a worker.

　　13. [A] On a mountain path. [B] In a supermarket.

　　[C] On a road. [D] In a railway station.

　　14. [A] Monday morning. [B] Monday afternoon.

　　[C] Wednesday morning. [D] Friday afternoon.

　　15. [A] To encourage them. [B] To stop them immediately.

　　[C] To give some explanation. [D] To leave them alone.

　　16. [A] She has bad study habits. [B] She sleeps too much.

　　[C] She wakes up late. [D] She's an excellent student.

　　17. [A] 4 hours. [B] 6 hours. [C] 12 hours. [D] 18 hours.

　　18. [A] How primitive people used flags.

　　[B] What the ancient means of communication was.