Passage TwoQuestions 61 to 65 are based on the following passage. When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt, the conversation is almost always about student loan debt. But there’s a growing body of evidence suggesting that today’s young adults are also drowning in credit-card debt―and that many of them will take this debt to their graves.More than 20% overspent their income by more than ＄100 every single month. Since they haven’t built up their credit histories yet, it’s a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.Although many young people blame “socializing” as a barrier to saving money, most of them aren’t knocking back ＄20 drinks in trendy (时尚的) lounges. They’re struggling with much more daily financial demands.To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn’t sustainable in the long run, and it’s going to put a huge drag on their spending power even after they reach their peak earning years, because they’ll still be paying interest on that bottle of orange juice or box of spaghetti (意式面条) 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 substantial financial problems in the future,” warns Lucia Dunn, professor of economics at Ohio State. “If our findings persist, 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.”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.
Passage TwoQuestions 61 to 65 are based on the following passage. When we talk about Americans barely into adulthood who are saddled with unbearable levels of debt, the conversation is almost always about student loan debt. But there’s a growing body of evidence suggesting that today’s young adults are also drowning in credit-card debt―and that many of them will take this debt to their graves.More than 20% overspent their income by more than ＄100 every single month. Since they haven’t built up their credit histories yet, it’s a safe bet that these young adults are paying relatively high interest rates on the resulting credit card debt.Although many young people blame “socializing” as a barrier to saving money, most of them aren’t knocking back ＄20 drinks in trendy (时尚的) lounges. They’re struggling with much more daily financial demands.To a disturbingly large extent, the young and the broke are relying on credit cards to make it until their next payday. This obviously isn’t sustainable in the long run, and it’s going to put a huge drag on their spending power even after they reach their peak earning years, because they’ll still be paying interest on that bottle of orange juice or box of spaghetti (意式面条) 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 substantial financial problems in the future,” warns Lucia Dunn, professor of economics at Ohio State. “If our findings persist, 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.”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.
题目解答
答案
A
解析
考查要点：本题考查学生对文章段落主旨的把握能力，需要准确提炼第一段的核心观点。
解题思路：
- 定位关键信息：第一段通过数据（如“超过20%每月超支100美元以上”）和现象（依赖信用卡度日、长期支付利息）说明年轻群体信用卡债务的严重性。
- 排除干扰项：需区分“信用卡”与“学生贷款”的不同作用，明确段落重点在信用卡债务的累积与长期影响，而非单纯比较两者或讨论系统问题。
- 锁定核心结论：段落末尾暗示“未来老年群体可能因信用卡债务陷入财务危机”，核心主旨是年轻群体无法摆脱信用卡债务的长期困境。
选项分析：
- A（正确）：段落通过数据和现象说明年轻群体信用卡债务的累积速度和还款难度，最终指出“未来可能因未偿还债务陷入危机”，与选项高度一致。
- B：错误。段落未聚焦“大学生活”场景，而是泛指所有年轻群体。
- C：错误。段落未将信用卡与学生贷款直接对比，而是强调信用卡债务本身的严重性。
- D：错误。段落批评的是“信用卡债务问题”，而非“信用卡系统”本身。
关键逻辑链：
- 现象描述：年轻群体信用卡超支普遍且金额大。
- 原因分析：信用历史不足导致高利率，日常财务压力大。
- 长期影响：信用卡债务将长期消耗未来收入，形成恶性循环。
- 研究结论：年轻群体信用卡债务累积快、还款慢，未来可能引发老年财务危机。