13．Every year，thousands of new high school graduates pack their bags，move to new cities，and sign papers accepting loans，the money borrowed from a bank or lenders etc，which they might not be able to pay back．Without proper education on personal finance，especially as it relates to paying for college，young adults are guided into improper loan plans that result in years of debt after graduation．In order to set students up to succeed financially，it is important to educate students and parents on their financial options before school in the fall．The best way to support families heading for college is to require that every high school student take a personal finance class before graduation．This will help smooth the transition into adulthood．
The average student takes out at least one loan to cover the costs of their education each year．In 2014the average student graduating from college carried a negative balance of about $20，000 in debt，which often spread over multiple lenders．Upon graduation，students rarely know exactly how much money they owe，and even though they are in the state of being unable to pay their debts，they cannot wipe out student loans．These students spend much of their adult lives paying off the gradual increasing debts．
A personal finance course would teach students how to manage their income and expenditures，while helping to significantly reduce the amount of debt students carry into adulthood．By teaching students how to save money and live within their means，this course will provide the next generation with a foundation to progress financially．Students choosing to get a job straight out of high school would also benefit from finance education for these very reasons．With education on how to manage their finances，all young people will have the knowledge to make healthy decisions，leading them to improve good credit and purchase needed items like cars and homes with skill and confidence．
While not every young person makes financial mistakes，those who do can face years of difficulty trying to get their finances back under control．Rather than help them through these hard times when they happen，we should try to prevent them from happening at all．Making the completion of personal finance coursework a requirement for graduation would ensure that young people are at least aware of the basics of preserving a financial stability．
33．What is the third paragraph mainly about？B
A．Ways to improve financial credits．
B．Advantages of taking a finance course．
C．Skills of balancing income and expenditures．
D．Introduction to the education on personal finance．
34．Having financial knowledge，high school students are probably able toC．
A．smooth their way for college
B．get out of their financial trap
C．avoid the risk of the future financial trouble
D．free from the cost of their college education
35．The main purpose of the passage is toD．
A．inform and explain
B．discuss and examine
C．research and analyze
D．argue and persuade．
分析 文章介绍一种理财课程，教学生怎么合理地管理自己的钱财，避免陷入债务危机．
解答 33-35 BCD
33．B 段落大意题．根据文章第三段的句子"A personal finance course would teach students how to manage their income and expenditures，while helping to significantly reduce the amount of debt students carry into adulthood．"可知，第三段主要介绍上理财课程的好处．故选B．
34．C 推理判断题．根据文章最后一段的句子"Making the completion of personal finance coursework a requirement for graduation would ensure that young people are at least aware of the basics of preserving a financial stability．"可知，有了理财知识，年轻人至少能了解保持经济稳定的基本知识，也就是可以避免陷入经济困境．故选C．
35．D 推理判断题．根据文章内容可知，文章首先说大学生会欠下很多债务，以至于在毕业多年后仍然忙于偿还债务，然后劝说这些学生参加理财课程，因为该课程能帮助他们更好地管理自己的钱，学会节约和合理使用钱．故选D．
点评 阅读理解题测试考生在阅读基础上的逻辑推理能力，要求考生根据文章所述事件的逻辑关系，对未说明的趋势或结局作出合理的推断；或根据作者所阐述的观点理论，对文章未涉及的现象、事例给以解释．考生首先要仔细阅读短文，完整了解信息，准确把握作者观点．
