题目内容：

Every year, thousands of new high school graduates pack their bags, move to new cities, and sign papers accepting loans, the money borrowed from a bank or lenders etc, which they might not be able to pay back. Without proper education on personal finance, especially as it relates to paying for college, young adults are guided into improper loan plans that result in years of debt after graduation. In order to set students up to succeed financially, it is important to educate students and parents on their financial options before school in the fall. The best way to support families heading for college is to require that every high school student take a personal finance class before graduation. This will help smooth the transition into adulthood.

The average student takes out at least one loan to cover the costs of their education each year. In 2014 the average student graduating from college carried a negative balance of about $20,000 in debt, which often spread over multiple lenders. Upon graduation, students rarely know exactly how much money they owe, and even though they are in the state of being unable to pay their debts, they cannot wipe out student loans. These students spend much of their adult lives paying off the gradual increasing debts.

A personal finance course would teach students how to manage their income and expenditures, while helping to significantly reduce the amount of debt students carry into adulthood. By teaching students how to save money and live within their means, this course will provide the next generation with a foundation to progress financially. Students choosing to get a job straight out of high school would also benefit from finance education for these very reasons. With education on how to manage their finances, all young people will have the knowledge to make healthy decisions, leading them to improve good credit and purchase needed items like cars and homes with skill and confidence.

While not every young person makes financial mistakes, those who do can face years of difficulty trying to get their finances back under control. Rather than help them through these hard times when they happen, we should try to prevent them from happening at all. Making the completion of personal finance coursework a requirement for graduation would ensure that young people are at least aware of the basics of preserving a financial stability.

1.After graduation from college, many young people ________.

A. struggle to support their families

B. spend years paying off their debts

C. get through the hard times smoothly

D. are able to manage their own finances well

2.What is the third paragraph mainly about?

A. Ways to improve financial credits.

B. Advantages of taking a finance course.

C. Skills of balancing income and expenditures.

D. Introduction to the education on personal finance.

3.Having financial knowledge, high school students are probably able to ________.

A. smooth their way for college

B. get out of their financial trap

C. free from the cost of their college education

D. avoid the risk of the future financial trouble

4.The main purpose of the passage is to ________.

A. inform and explain

B. argue and persuade

C. analyze and evaluate

D. discuss and examine