语篇分析
　　46.If you have a federal loan.you are allowed to pay back the loan later when you are fired.
　　详解 如果你有联邦贷款，可以在失业时延期还款。
　　译文 由关键词a federal loan， later ,fired定位到原文划线句。
　　47.LearnVest informs you about your spending so that you can see where to save money to pay off your debt
　　译文 LearnVest的消费查询可以让你看到应该在哪里减少开支，以便节省出更多的钱还贷。
　　定位 由关键词LearnVest，spending，save money定位到原文划线句。
　　48.Even for financial experts.Financial problems may have taken them years to deal with.
　　译文 秘即便是金融专家，他们也可能曾经花费了多年的时间来处理财务问题。
　　定位 由关键词financial experts，for years定位到原文划线句。
　　49.You are advised to start with the loans with the higher interest rate.
　　【O】So make sure you know the rank of your loans，in order from smallest to largest，and lowest interest to highest interest.Do whatever is possible to reduce the interest;　as our columnist Helaine Olen points out，Sallie Mae offers you a 0.25% reduction in your loan interest if you sign up for an automatic debit(借方)plan　just make sure the money is always going to be in your account.If you don’t want to do mat，follow Helaine's other piece of advice：　you're smarter to pay off the loans with the higher interest rate first.This will create the biggest impact.Another popular strate! is the“snowball”method，　where you pay the most on the smallest debt owed.So if you have a$20，000 loan and a$10.000 loan.the“snowball”method means you will start paying more towards the $10.　000 loan.You’ll see it disappear faster.These two methods don’t always go together;so try what feels comfortable.The important thing is to see and track your progress.
　　译文 人们应该优先偿还 利率高的债务。
　　定位 由关键词advised，higher interest rate定位到原文划线句。
　　50.Many Americans ale in debt and learning how to handle it will take a lifetime.
　　译文 许多美国人都有债务，并且需要用一生的时间来学习如何处理债务。
　　定位 由关键词debt，handle，lifetime定位到原文划线句。
　　51.With Google Docs spreadsheet，you can create your own personalized debt graphs.
　　译文 借助于Google Dos spreadsheet，你能够创建自己个性化的债务图表。
　　定位 由关键词Google Docs spreadsheet，personalized，graphs定位到原文划线句。
　　52.If you don’t have enough income，you are advised to try other ways of making money.
　　译文 如果你收入不够，可以考虑别的赚钱方法。
　　定位 由关键词enough，income.making money定位到原文划线句。
　　53.Those student loan providers’websites don’t present the growth of your debt load.
　　译文 学生贷款网站不展示你的债务增长额。
　　定位 由关键词websites，growth，debt load定位到原文划线句。
　　54.The result of inaction to your loans is to bring about bigger loans.
　　译文 逃避债务的结果是带来更大的债务。
　　定位 由关键词result，bigger loans定位到原文划线句。
　　55.When you toss away envelopes containing your bills，you actually feel more anxious about it.
　　译文 当你把装有账单的信封丢到一边时，实际上会让你更加焦虑。
　　定位 由关键词envelopes，bills，anxious定位到原文划线句。