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If you go to any college in the United States, you will find most students carrying the same items:books, laptops, cell phones and their official school identification cards, or IDs. These small plastic cards do more than showing the names and pictures of students.

In recent years, IDs in some colleges can also buy things. The schools enter into agreements with banks so students can link their cards to private financial accounts. This way, students can use their cards to pay for things like food on campus and school supplies. In other words, their IDs become debit cards(借记卡). However, new research suggests that the way these card programs operate can harm students.

The U.S. Public Interest Research Group(U.S. PIRG) aims to use research to support and protect people's financial interests. The organization has been looking into agreements between colleges and banks for several years.This April, Kaitlyn Vitez, higher education campaign director for U.S. PIRG, released their latest findings."Students with campus debit cards paid over $ 24 million in fees during the last contract year. For example, students may be charged fees if they use another bank to withdraw money. Or, they may be charged fees if they spend more money than they have in their bank accounts , " she said . " Any large fee can create unexpected problems for students , however , banks do not make possible fees clear enough to students."

U.S.PIRG noted that some banks pay colleges for permission to advertise their debit card programs on campus. The advertising can appear to be part of official school programmes and students may feel pushed towards opening accounts.U.S.PIRG also found a connection between colleges with paid agreements and student fees. Students at colleges that received money from banks ended up paying up to 2.3 times more than students at colleges with unpaid agreements. U.S. PIRG contacted several of the colleges in their latest research, yet they seem not to give satisfying comments.

1.What is the second paragraph mainly about ?

A.Potential harm of IDs. B.Additional use of IDs.

C.Students consuming habits. D.Students' financial condition.

2.What does the PIRG study find?

A.All banks pay for their bank card ads on campus.

B.Campus debit cards present high fees for students.

C.Many students like to use debit cards at college.

D.Colleges have signed illegal agreements with banks.

3.What do Kaitlyn Vitez's words imply?

A.Colleges benefit a lot from working with banks.

B.Most students fall into heavy debts at college.

C.Banks give away students' financial privacy somehow.

D.Students lack enough information on their campus debit cards.

4.What will the author probably talk about in the following paragraph ?

A.Solutions to the phenomenon. B.Future of school IDs.

C.Details of debit card programs. D.Response of some schools.

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