A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year research project into teenagers and money, are 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，他们中的大多数人对金钱一无所知。这一发现来自于NatWest开始的一项为期五年的青少年和金钱研究项目的一系列报告中的第一项，非常令人担忧，因为这一代年轻人可能比之前的人们背负更大的债务。
University tuition fees 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.
目前大学学费每年上限为3000英镑，但明年将对此进行审查，政府面临着提高上限的巨大压力。
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.
在这项研究中，向青少年提供了四种不同贷款的期限，但76%的人未能确定最便宜的贷款。这些年轻人还预测，到25岁时他们的平均收入将达到31000英镑，尽管22岁至29岁的平均工资仅为17815英镑。这些青少年预计在完成大学或培训后会负债，尽管一半的人认为他们的债务将低于1万英镑。毕业生的平均债务为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."
拥有NatWest的苏格兰皇家银行集团社区投资负责人斯蒂芬·莫伊尔表示。“年轻人对财务问题的了解程度越高，意识到这些问题的年龄越小，他们就越有可能成为有责任心、有前瞻性的成年人，他们能够自信有效地管理自己的财务。”
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 Fairweather, aged 15 from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
部长们对年轻人因学生贷款和住房成本上涨而面临的财政压力深感担忧，他们刚刚介绍了如何管理债务的新课程。来自圣海伦斯，15岁的尼基·费尔韦瑟说自己从个人理财课程中受益匪浅，但也承认自己在金钱方面还有很多需要学习的地方。
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