Ask a college freshman what he or she is excited about, and the list might range from the lack of a curfew (宵禁) to the unlimited dining hall pizza. What is likely not on the list? Learning how to make smart financial decisions. And that's too bad, say experts, as that's exactly what all students need to focus on.Millennials (干福一代) are not very savvy (精通的) about money. In fact, a recent study, which surveyed 42,000 college freshmen across the US, found that since 2012 students are less likely to follow a budget, pay credit card bills on time or buy only the things they need."Most of these kids come from homes whose parents don't possess any kind of plan for the money except planning their next vacation or doing Christmas," says Jim Chilton, CEO of the non-profit Society for Financial Awareness. "When these young folks hit college, it's a wave of indecision... as they punch in quickly Mommy and Daddy's cell numbers to find out how they're going to get by."Millennials know they're in for some pain. They face higher levels of a student loan debt—two-thirds of recent bachelor's degree recipients have outstanding student loans, with a average debt of about 37,500.1. What did the study find about college freshmen?AThey learn to budget their money.BThey spend much money on luxury goods.CThey pay credit card bills on their own.DThey buy things even if they do not need them.

Ask a college freshman what he or she is excited about, and the list might range from the lack of a curfew (宵禁) to the unlimited dining hall pizza. What is likely not on the list? Learning how to make smart financial decisions. And that's too bad, say experts, as that's exactly what all students need to focus on.Millennials (干福一代) are not very savvy (精通的) about money. In fact, a recent study, which surveyed 42,000 college freshmen across the US, found that since 2012 students are less likely to follow a budget, pay credit card bills on time or buy only the things they need."Most of these kids come from homes whose parents don't possess any kind of plan for the money except planning their next vacation or doing Christmas," says Jim Chilton, CEO of the non-profit Society for Financial Awareness. "When these young folks hit college, it's a wave of indecision... as they punch in quickly Mommy and Daddy's cell numbers to find out how they're going to get by."Millennials know they're in for some pain. They face higher levels of a student loan debt—two-thirds of recent bachelor's degree recipients have outstanding student loans, with a average debt of about $37,500.1. What did the study find about college freshmen?AThey learn to budget their money.BThey spend much money on luxury goods.CThey pay credit card bills on their own.DThey buy things even if they do not need them.