US college students are burdened, with credit card (信用卡)debt, according to a study published Tuesday, and the problem can be serious－ranging from more drop-outs, to future employment problems and even self-murder. The study, by Georgetown University sociologist (社會學家) Robert Manning, blamed credit card issuers for actively targeting students and colleges for allowing them to do so. "The unrestricted selling of credit cards in universities or colleges is so aggressive that it now forms a greater threat than alcohol or sexual diseases," Manning told a news conference in Washington. "If we do not quickly deal with this serious problem, the matter will continue to get worse, with social consequences far more tragic (悲劇的) than mere dollars and cents. "
Based on hundreds of face-to-face interviews and surveys with students, Manning concluded both the number with credit card debt and their indebtedness had been "underreported" in previous studies－which failed to reflect the "survival strategies" many used to deal with their debts. These included the use of federal student loans to pay off credit cards, effectively shifting the debt, appealing to parents for loans, reducing course work hours to increase time at paid jobs, or even dropping out altogether to work full time.
"Official drop-out rates include growing numbers of students who are unable to cope with the stress of their debts and / or part time jobs for servicing their credit cards, " the study said. "Students credit card debts are examined during the employment process and may be an important factor in evaluating future employees," it noted. O’Donnell and Manning agreed students should bear some responsibility for reckless use of credit, but said credit card companies also had to be held responsible for making it so easy for them to get into debt. Manning said one of the most troublesome aspects of the student credit card issue was "the seduction (誘惑) of college and university officials by the credit card industry".
【小題1】Sociologist Robert Manning's study shows that .
| A．the number of American college students using credit cards on campus is increasing |
| B．more and more American college students meet with credit card debt problems |
| C．more and more American colleges encourage students to use credit cards to make profits |
| D．credit card issuers will run into debt for encouraging college students to use credit cards |
【小題2】The author's feeling towards college students with credit card debts is __.
| A．discouraged and negative | B．pitiful and critical |
| C．indifferent and disapproving | D．negative and doubtful |
【小題3】The author implies all of following should be responsible for this problem EXCEPT .
| A．credit card issuers | B．college authorities |
| C．parents of the students | D．students themselves |
【小題4】The word "reckless" in Paragraph 3 can be replaced by .
| A．inconsiderate | B．frequent | C．careful | D．regular |
