A study involving 8,500 teenagers from all social backgrounds found thai most of them are ignorani when it comes to money. The findings, the first in a scries of reports from NatWesl that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted thai she still had a lot to learn about money.

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A study involving 8,500 teenagers from all social backgrounds found thai most of them are ignorani when it comes to money. The findings, the first in a scries of reports from NatWesl that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
一项涉及8500名来自不同社会背景的青少年的研究发现，当谈及钱时，他们大多数都表现得一无所知。NatWes1已经开始了一项历时五年的对青少年和钱关系的研究，现在揭示的是一系列报告中第一组结果。这些发现令人特别担忧，人们担心这一代的年轻人可能背负比以往更沉重的债务。
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
大学学费目前以每年3000英镑为上限，但是明年这个数字会有所变化，政府现在正顶着提高这个上限的巨大压力。
In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
在这项调查中，青少年被要求分辨四组贷款中还贷利率最小的，76%的调查对象无法正确分辨。除此之外，尽管22岁到29岁之间的人的平均工资才17815英镑，这群年轻人却估计他们会在25岁时平均赚到31000英镑。虽然他们一半人说他们承担的债券会少于10000英镑，但是当他们结束大学或者培训的时候，这些青少年将会面临一个债务累累的未来。对于毕业生来说，平均的负债值为12363英镑。

Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."
掌管NatWest的苏格兰皇家集团主席Stephen Moir说，年轻人接触财务问题越多，他们会越早对财务问题有感觉，也就更有可能变成有责任心，有未来规划的成年人，懂得自信而高效地处理经济问题。
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted thai she still had a lot to learn about money.
因为较高的学生贷款和不断飞涨的房价，有关部门十分担忧在青少年身上会承受过大经济压力，他们已经引进了关于如何管理债务贷款的课程。来自SH 的15岁女孩NF说，她从这些关于个人理财的课程中受益，但是同时她也承认，她对钱财还有许多摸不透的地方。

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