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  3. "Money Matters on Campus" is a recently re-leased study on financial literacy among young adults. It supports providing students

"Money Matters on Campus" is a recently re-leased study on financial literacy among young adults. It supports providing students

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问题     "Money Matters on Campus" is a recently re-leased study on financial literacy among young adults. It supports providing students with the opportunity to learn how to make【C1】________decisions about their consumer choices, how to man-age money on their own, and how to grow and protect their financial【C2】________before they enter college or the workforce.
    The study【C3】________more than 65,000 first-year college students across the U.S. on banking, savings, credit cards and school loans, as well as a series of questions designed to【C4】________students’ financial knowledge. Researchers found【C5】________
    differences in the financial【C6】________of students based on age, race,【C7】________and institution type.
    Students who received financial literacy education in high school scored significantly higher than their【C8】________on financial knowledge questions such as how much to set aside in an emergency【C9】________and what to do if you have too many credit cards. Even more importantly, the students who had previous financial literacy education were found to be more responsible【C10】________it comes to their money—for example, they were more financially【C11】________and more unwilling to【C12】________debt in general.
    As financial【C13】________are the number one rea-son students leave college, engaging students at the outset of their college experience will【C14】________the likelihood that they will make【C15】________financial decisions and complete their degree on time. And while traditional financial literacy education has focused【C16】________on providing financial knowledge, "Money Matters on Campus" research amplifies the need to【C17】________students’ individual attitudes, motivations and【C18】________. By providing students with relevant information that【C19】________home immediately, this initiative has led to an 11 percent drop in federal loan borrowing at the【C20】________.  
【C12】
选项 A、incur
B、pay
C、consolidate
D、get
答案A
解析 上文中提及接受过理财教育的学生在理财知识问答方面得分明显高于其他学生。由此可知，这些学生在理财方面有自己的看法，而且他们责任心更强，故此推断他们不愿意欠债。所以此处选A项，incur debt为“借钱，产生债务，欠债”之意。B项pay代入空格，表示“不愿还债”，这跟be more responsible相矛盾。C项con-solidate-“巩固”代入空格，表示“巩固债务”，“债务”并无“巩固”之说。D项get代入原文，不符合语法，  get into才对。
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