the terms of four different loans but 76 percent 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 Nat West, said.

　　“The more exposed young people are to financial issues,

　　and the younger they become aware of them, the more likely they are to become responsible， forward­planning

　　adults who manage their

　　finances confidently and

　　effectively.”

　　Ministers are deeply concerned about the financial

　　pressures on teenagers and young people because of

　　students' 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

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