By next year, she _____ her PhD.

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**Solution:**

1. The phrase "By next year" indicates a point in the future by which an action will be completed.

2. The correct tense to express an action that will be completed before a specific time in the future is the **future perfect tense**.

3. The future perfect tense is formed using "will have" + past participle of the verb.

4. Among the options, "will have completed" correctly uses the future perfect tense.

**Answer:** B) will have completed

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