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  3. College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. A

College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. A

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问题     College graduates are now leaving school with not only a diploma, but also with more debt than in any other period in history. According to the College Board, average financial aid per full time equivalent student adjusted for inflation, has almost doubled in the last decade. Additionally, not only is the average student debt load higher, but the number of loans originated increased by nearly fourfold. Thus student lending has increased in breadth as well as depth, doubly impacting the financial situations of those students who must depend on student loans to finance their education.
    Furthermore, these figures no doubt understate the true level of indebtedness incurred by students and their families since some undoubtedly finance part of their education and living expenses through the use of consumer loans, home equity loans or credit cards. Thus, the already huge burden of student loan debt incurred by students and their families is exacerbated by financial obligations from other sources.
    This situation is the outcome of a precarious combination of easy credit, thanks to card issuers who are eager to tap into this lucrative market, financial naivete on the part of students, and a sense on both sides that, if worse comes to worse, mommy and daddy will step in and set things right. All combine to make credit a tempting lure to students strapped for cash.
    Most students in the United States attend colleges whose tuition do not exceed $15,000, however. Nevertheless, rising prices, combined with stagnant income gains among low-and moderate-income families, have made it difficult if not impossible for a student from a family of such an income level, a student who has the most to gain from a college education, to attend college without significantly adding to the financial burden of his or her family. While student loans still remain a vital element for the financing of many students’ education at expensive colleges, its implications must be carefully weighed and considered, lest the cash-poor student find himself with more than he bargained for.
The main point of paragraph 4 is______.
选项 A、those who need a college education most are having the most difficulty getting it
B、student loans are improving access to education for all
C、high-income families benefit most from student loans
D、low to moderate-income families benefit most from student loans
答案A
解析 属主旨思想题。本题考查第四段的中心思想。本段第二句指出：不过，物价上涨，低收入和中等收入家庭的收入一直没有提高，来自这种收人水平家庭的学生以及最能从大学教育中受益的学生读大学即使可能，也很难不给家庭造成巨大的经济负担。由此可知，选项A正确(最需要大学教育的人困难最大)。选项B中的a11用词太绝对；选项C在文中没有推理依据；选项D与第二句内容不符。
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