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Passage One
U.S. college students are increasingly burdened with credit card debt, according to a study released Tuesday, and the consequences can be serious--ranging from higher drop-out rates to future employment problems and even suicide.
Based on hundreds of face-to-face interviews and surveys with students, sociologist Robert Manning of Georgetown University concluded both the number with credit card debt and their indebtedness had been "systematically underreported" in previous studies which failed to reflect the "survival strategies" many used to cope with their debts. These included the use of federal student loans to pay off credit cards, effectively shifting the debt, appeals to parents for loans, cutting back on course work to increase time at paid jobs, or even dropping out altogether to work full time. "Official drop-out rates include growing numbers of students who are unable to cope with the stress of their debts and/or part time jobs for servicing their credit cards," the study said.
Even then, debts can haunt students. "Student credit card debts are increasingly scrutinized during the recruitment process and may be an important factor in evaluating prospective. employee," it noted. And the stress can also manifest in far more tragic ways. Janne O'Donnell's 2g-year-old son, a junior at the University of Oklahoma, committed O'Donnell and Manning agreed students should bear some responsibility for reckless use of credit, but said credit card companies also had to be held accountable for making it so easy for them to get into debt. Manning said one of the most disturbing aspects of the student credit card issue was "the seduction of college and university administrators by the credit card industry." Card issuers were sponsoring school programs, funding activities and even entering into business partnerships with schools involving college-branded "affinity" cards, he said. "As a result, rather than protecting the economic and educational interests of their students, college administrators are playing an active and often disingenuous role in promoting the prominence of credit cards in collegiate life."
52. Which is NOT one of the strategies American students may use to deal with their credit card debt?
A) Use federal student loans.
B) Seek part-time jobs to get money.
C) Promote the prominence of credit cards.
D) Ask parents to help them pay the debt.
53. Which may NOT be the consequence of students' credit card debt?
A) High drop-out rates.
B) Enter into business partnerships with schools.
C) Commit suicide.
D) Future employment problems.
54. Who should be least criticized for negative consequences of students' credit card debt according to the passage?
A) Parents.
B) Students themselves.
C) College and university administrators.
D) Credit card issuers.
55. The main idea of this passage is ______.
A) negative consequences of students' using credit card
B) college administrators are playing their proper roles in promoting credit cards
C) card issuers or college administrators promoted credit card
D) reasons for high drop-out rates in universities
56. We can infer from the passage that ______.
A) students should not have part-time jobs
B) credit cards should not be used
C) if there is no credit card, college students may not commit suicide
D) college students should learn to wisely manage their personal finances
