参考答案

正确答案：D
解析：说话者首先提到…families get caught up…rather than learning the ways to get financial aid，接着提到If you really do your research…，这里的research指代前面提到的learning the ways to get financial aid，即找到获得资金援助的途径，[D]项正是对此的同义转述，故答案为[D]。