重点词汇

1. luster /ˈlʌs.tər/ the brightness that a shiny surface has 光泽

• the rich luster of well-polished furniture
  

2. mount /maʊnt/ to gradually increase, rise, or get bigger 增加

• The children's excitement is mounting as Christmas gets nearer.
  

3. stagnate /stæɡˈneɪt/ to stay the same and not grow or develop 停滞

• Millions of people have watched their incomes stagnate.

4. surefire /ˈʃɔː.faɪər/ certain or likely, especially to succeed 一定成功的

• The film looks a surefire Oscar winner.

5. median /ˈmiː.di.ən/ the value that is the middle one in a set of values arranged in order of size 中位数

• Paulson received an average grade of 64 and a median of 70. 

6. well-regarded: used to describe someone or something about which people have a good opinion 受好评的

• The airline is well-regarded by passengers.

句型解析

who used federal loans

• 本句是who引导的定语从句，先行词为graduates，who在从句中作主语，不可省略。

2.  ...who graduated in 2015 and 2016.

• 本句是who引导的定语从句，先行词为students，who在从句中作主语，不可省略。