单选题 Students graduating from colleges today are not fully prepared to deal with the" real world". It is my belief that college students need to be taught more skills and information to enable them to meet the challenges that face everyone in daily life. The areas in which students need training are playing the credit game, planning their personal financial strategy, and consumer awareness.
Learning how to obtain and use credit, cardsis probably the most valuable knowledge a young person can have. Credit card is a dangerous tool that can be of tremendous help if it is handled with caution. Having credit cards can enable people to obtain material necessities before they have the money to purchase them. But unfortunately, many young people get carried away with their handy plastic credit cards and awake one day to find they are in serious financial debt. Learning how to use credit cards properly can be a very difficult and painful lesson indeed.
Of equal importance is learning how to plan a personal budget. People have to know how to control money; otherwise, it can control them. Students should learn how to set aside their money for living expenses, insurance, savings, and so forth in order to avoid the" Oh, no ! I've no money and I don't get paid again for two weeks!" anxiety conditions.
Along with learning about credit and personal financial planning, graduating college students should be trained as consumers. The consumer market today is flooded with a variety of products and services of varying quality and prices. A young person entering the" real world" is suddenly faced with difficult decisions about which product to buy or whose services to engage. He is usually unaware of such things as return policies, guarantees, or repair procedures. Information of this sort is vital knowledge to everyday living.
For a newly graduated college student, the" real world" can be a scary place to be when he or she is faced with such issues as handling credit, planning a budget, or knowing what to look for when making a purchase and whom to purchase it from. Entering this" real world" could be made less painful if persons were educated in dealing with these areas of daily life. What better place to accomplish this than in college?

单选题 According to the writer, graduating students______.

【正确答案】 D

【答案解析】根据题干graduating students定位到第一段第一句Students graduating from colleges today are not fully prepared to deal with the “real world”．当今的大学毕业生在应对现实社会时还没有做好充分的准备，not have the necessary knowledge and skills是原文not fully prepared的同义转述，因此选[D]。[A]原文未提及；大学毕业生缺乏的是应对现实生活的，并非书本知识，排除[B]；他们经常会陷入财政危机，并不一定是挣的钱太少，无法养活自己，而是他们不懂如何理财，故排除[C]。

单选题 The writer points out that many young people______.

【正确答案】 A

【答案解析】本题考查作者的观点。观点常包含在主题句中。由题干young people定位到第二段，主题句是第一句和最后一句，意思是懂得使用信用卡对年轻人来说是非常宝贵的知识，这会伴有困难和痛苦的教训，作者还列举了一些事例，证明大学毕业生不会正确地使用信用卡，并以之作为教训。[A]ill-advised use of credit card是原文not use credit card properly的同义转述，因此选[A]。年轻人在没有现金时，可使用信用卡购买一些生活必需品，但并非完全依靠信用卡，故排除[B]；年轻人并非不会用信用卡，而是用得太多，以致透支太多，陷入严重债务危机，因此排除 [C]；[D]原文未提及。

单选题 Students suffer from anxiety conditions because ______.

单选题 As consumers students need training because this enables them to______.

【正确答案】 C

【答案解析】由题干as consumers students need training可定位到第四段前三句，意思是由于市场各种产品的质量和价格参差不齐，刚踏上社会的年轻人难以决策购买哪种产品，接受谁的服务，因此选[C]做出明智的购买决定，明了为顾客提供的各种服务。[A]谨慎使用信用卡，[B]个人理财与[D]应对严重财政危机都与题目无关，题目问的是学生作为消费者应培养消费意识的原因，故排除。