Parents and students are now relying less on taking out loans and more on grants, scholarships and their own income and savings,

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问题     Parents and students are now relying less on taking out loans and more on grants, scholarships and their own income and savings, according to a new report from Sallie Mae. "Over the last few years they’re considering cost more.【C1】________applying for bank loans, they’re making【C2】________decisions to save on their college【C3】________," says Sarah Ducich, an author of the re-port. The large private lender, in conjunction with Ipsos Public Affairs,【C4】________in its seventh annual report that more than half of the cost of college is【C5】________by grants and scholarships, as well as parent income and savings. The average family also【C6】________less on parent and student loans, which【C7】________for 7 percent and 15 percent of the cost,【C8】________.
    "But one of the most【C9】________findings of the report," Ducich says, "is that【C10】________soaring tuition and fees, families’【C11】________in the value of college has remained strong." Nearly all of the 1,600 parents and students【C12】________said they believed that college is an【C13】________in the future, nearly 90 percent said it’s needed for a(n)【C14】________occupation and about 86 percent said they would be【C15】________to stretch financially to pay for college.
    And although more than two-thirds of families said they planned on borrowing, at least as a last【C16】________many are increasingly looking for【C17】________to cut costs. Nearly all families reported taking at least one step to make college more【C18】________and on average families took five steps. Seven in 10 said they chose a(n)【C19】________college to pay in-state tuition and more than half said they lived at home or with【C20】________.  
【C1】

选项 A、Apart from
B、Instead of
C、Regardless of
D、Because of

答案B

解析 本空格后提到的applying for bank loans(申清贷款)与后半句的save on their college(节约读大学)明显地形成转折,故选B项Instead of“代替,而不用”。
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