A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
1. Which of the following can be found from the five-year research project?
A. Students understand personal finances differently.
B. University tuition fees in England have been rising.
C. Teenagers tend to overestimate their future earnings.
D. The students' payback ability has become a major issue.
2. The phrase "to raise the ceiling" in paragraph 2 probably means "______".
A. to raise the student loans      B. to improve the school facilities
C. to increase the upper limit of the tuition     D. to lift the school building roofs
3. According to Stephen Moir, students_______.
A. are too young 10 be exposed 10 financial issues
B. should learn 10 manage their finances well
C- should maintain a positive attitude when facing loans
D. benefit a lot from lessons on personal finance
4. What can we learn from the passage?
A. Many British teenagers do not know money matters well
B. Teenagers in Britain are heavily burdened with debts.
C. Financial planning is a required course at college.
D. Young people should become responsible adults.

Students who work during term time to support themselves at university are far more likely to graduate with a poor degree, according to a government-funded study published yesterday.

Undergraduates with part-time jobs are a third less likely to get a first or upper second-class degree than other students, harming their career chances. Students from the poorest backgrounds were most likely to take jobs during term because they could not depend on help from their parents.

The report, commissioned (委托) by the Department for Education and Skills, also found a clear relation between fear of debt and employment in non-graduate jobs. Students from poorer backgrounds are known to be more unwilling to be in debt than those from middle class families.

The study of 8,600 people who graduated in 1999 was made by Peter Elias, of Warwick University, and Kate Purcell, from Bristol Business School. They found that twice as many first-class degrees were awarded to students who did not work during term compared with those who did. Between 35 and 38 percent who worked during term achieved a lower second, compared with about 28 percent of those who did not.

Professor Elias said that the increase in school fees next year to ￡3,000 would have to be monitored (监控) carefully for its effect on poorer students. "Higher education is going to be a harder struggle for those who do not come with all the advantages," he said.

He suggested that universities could get in touch with employers to provide work experience on good salaries to choose students during holidays, so that they did not have to work during term.

1.What's the main idea of the passage?

A. Students at university like to take part-time jobs to support themselves,

B. Term-time jobs at university lead to poorer examination results.

C. The school fees are becoming higher and higher at university.

D. Students at university have much difficulty getting first-class degrees.

2.Why did lots of students take term-jobs at university?

A. No one would lend them money to continue their study.

B. They wanted to improve themselves by taking part-time jobs,

C. Their families were poor and couldn't afford the high expense.

D. They thought earning money was more important than studying.

3.Students who took term-jobs at university ____.

A. had no possibility to study better than those who didn't

B. couldn't graduate from school normally in the future

C. might have trouble in finding a job in the future

D. were more independent than those who didn't in the future

4.Which of the following statements is TRUE according to the passage?

A. Poor students can't take part-time jobs all the time at university.

B. Employers have the duty to help poor students solve the money problem.

C. First class degrees couldn't be given to the students whose families were poor.

D. High school fees are one of the important reasons why students have to take term-jobs.

Students who work during term time to support themselves at university are far more likely to graduate with a poor degree, according to a government-funded study published yesterday.
Undergraduates with part-time jobs are a third less likely to get a first or upper second-class degree than other students, harming their career chances. Students from the poorest backgrounds were most likely to take jobs during term because they could not depend on help from their parents.
The report, commissioned (委托) by the Department for Education and Skills, also found a clear relation between fear of debt and employment in non-graduate jobs. Students from poorer backgrounds are known to he more unwilling to be in debt than those from middle class families.
The study of 8,600 people who graduated in 1999 was made by Peter Elias, of Warwick University, and Kate Purcell, from Bristol Business School. They found that twice as many first-class degrees were awarded to students who did not work during term compared with those who did. Between 35 and 38 percent who worked during term achieved a lower second, compared with about 28 percent of those who did not.
Professor Elias said that the increase in school fees next year to ￡3,000 would have to be monitored (监控) carefully for its effect on poorer students. "Higher education is going to be a harder struggle for those who do not come with all the advantages," he said.
He suggested that universities could get in touch with employers to provide work experience on good salaries to choose students during holidays, so that they did not have to work during term.

1. 1.

   What's the main idea of the passage?

   1. A.
      Students at university like to take part-time jobs to support themselves,
   2. B.
      Term-time jobs at university lead to poorer examination results.
   3. C.
      The school fees are becoming higher and higher at university.
   4. D.
      Students at university have much difficulty getting first-class degrees.
2. 2.

   Why did lots of students take term-jobs at university?

   1. A.
      No one would lend them money to continue their study.
   2. B.
      They wanted to improve themselves by taking part-time jobs,
   3. C.
      Their families were poor and couldn't afford the high expense.
   4. D.
      They thought earning money was more important than studying.
3. 3.

   Students who took term-jobs at university ____.

   1. A.
      had no possibility to study better than those who didn't
   2. B.
      couldn't graduate from school normally in the future
   3. C.
      might have trouble in finding a job in the future
   4. D.
      were more independent than those who didn't in the future
4. 4.

   Which of the following statements is TRUE according to the passage?

   1. A.
      Poor students can't take part-time jobs all the time at university.
   2. B.
      Employers have the duty to help poor students solve the money problem.
   3. C.
      First class degrees couldn't be given to the students whose families were poor.
   4. D.
      High school fees are one of the important reasons why students have to take term-jobs.

A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWesl that has started a five-year research project into teenagers and money, are particularly worrying as this generation of young people is likely to be burdened with greater debts than any before.

University tuition fees (学费) are currently capped at ??3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.

In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average ?? 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just ?? 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than ?? 10.000. Average debts for graduates are ?? 12，363.

Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."

Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweather aged 15 from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.

Which of the following can be found from the five-year research project?

A. Students understand personal finances differently. 

B. University tuition fees in England have been rising.

C. Teenagers tend to overestimate their future earnings.

D. The students' payback ability has become a major issue.

The phrase "to raise the ceiling" in paragraph 2 probably means "______".

A. to raise the student loans                       B. to improve the school facilities

C. to increase the upper limit of the tuition     D. to lift the school building roofs

According to Stephen Moir, students_______.

A. are too young to be exposed to financial issues

B. should learn to manage their finances well

C. should maintain a positive attitude when facing loans

D. benefit a lot from lessons on personal finance

What can we learn from the passage?

A. Many British teenagers do not know money matters well

B. Teenagers in Britain are heavily burdened with debts.

C. Financial planning is a required course at college.

D. Young people should become responsible adults.

A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year research project into teenagers and money, are particularly worrying as this generation of young people is likely to be burdened with greater debts than any before.
University tuition feesare currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the research, the teenagers were presented with the terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £10.000. Average debts for graduates are £12,363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweather, aged 15, from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
【小题1】Which of the following can be found from the five-year research project?