Astudyinvolving8,500teenagersfromallsocialbackgroundsfoundthatmostofthemareignorantwhenitcomestomoney.Thefindings,thefirstinaseriesofreportsfromNatWestthathasstartedafive-yearresearchprojectintoteenagersandmoney,areparticularlyworryingasthisgenerationofyoungpeopleislikelytobeburdenedwithgreaterdebtsthananybefore.

Universitytuitionfeesarecurrentlycappedat£3,000annually,butthiswillbereviewednextyearandtheGovernmentisunderenormouspressuretoraisetheceiling.

Intheresearch,theteenagerswerepresentedwiththetermsoffourdifferentloansbut76percentfailedtoidentifythecheapest.Theyoungpeoplealsopredictedthattheywouldbeearningonaverage£31.000bytheageof25,althoughtheaveragesalaryforthoseaged22to29isjust£17,815.Theteenagersexpectedtobeindebtwhentheyfinisheduniversityortraining,althoughhalfsaidthattheyassumedthedebtswouldbelessthan£10.000.Averagedebtsforgraduatesare£12,363.

StephenMoir,headofcommunityinvestmentattheRoyalBankofScotlandGroupwhichownsNatWest,said."Themoreexposedyoungpeoplearetofinancialissues,andtheyoungertheybecomeawareofthem,themorelikelytheyaretobecomeresponsible,forward-planningadultswhomanagetheirfinancesconfidentlyandeffectively."

Ministersaredeeplyconcernedaboutthefinancialpressuresonteenagersandyoungpeoplebecauseofstudentloansandrisinghousingcosts.Theyhavejustintroducednewlessonsinhowtomanagedebts.NikkiFairweather,aged15,fromStHelens,saidthatshehadbenefitedfromlessonsonpersonalfinance,butadmittedthatshestillhadalottolearnaboutmoney.Whichofthefollowingcanbefoundfromthefive-yearresearchproject?Thephrase"toraisetheceiling"inparagraph2probablymeans"______".AccordingtoStephenMoir,students_______.Whatcanwelearnfromthepassage?

A.Studentsunderstandpersonalfinancesdifferently.

B.UniversitytuitionfeesinEnglandhavebeenrising.

C.Teenagerstendtooverestimatetheirfutureearnings.

D.Thestudents'paybackabilityhasbecomeamajorissue.

A.toraisethestudentloans

B.