their peak earning years, because they'll still be paying interest on that bottle of orange juice or that box of spaghetti they bought a decade earlier.

　　 A new study out of Ohio State University found that young adults are accumulating credit card debt at a more rapid rate than other age groups, and that they're slower at paying it off. "If what we found continues to hold true, we may have more elderly people with lots of financial problems in the future, " warns Lucia Dunn, professor of economics at Ohio State University. "If our findings continue to exist, we may be faced with a financial crisis among elderly people who can't pay off their credit cards. "

　　Dunn says a lot of these young people are never going to get out from under their credit card debt. "Many people are borrowing on credit cards so heavily that payoff rates at these levels are not sufficient to recover their credit card debt by the end of their life, which could have loss implications for the credit card issuing banks. "

1. What is the main idea of the first paragraph?

A. Many young Americans will never be able to pay off their debts.

B. Credit cards play an increasingly important role in college life.

C. Credit cards are doing more harm than student loans.

D. The American credit card system is under criticism.

2. Why do young people have to pay higher interest on their credit card debt?

A. They tend to forget about the deadline.

B. They haven't developed a credit history.

C. They are often unable to pay back in time.

D. They are inexperienced in managing money.

3. What does Lucia Dunn think might be a risk for the credit card issuing banks?

A. They go bankrupt as a result of over-lending.

B. They lose large numbers of their regular clients.

C. Their clients leave their debts unpaid upon death.

D. Their interest rates have to be reduced now and then.

答案

1. A　2. B　3. C