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Read the following passage, which contains some underlined or numbered words or phrases.
Each of the answer choices contains alternatives for the underlines; choose the one that fits best grammatically or stylistically. If you think the original is the best answer, choose Choice ‘A’, or NO CHANGE.

Questions about specific parts of the passage or about the passage as a whole are identified by numbers only, not underlines. These will be associated with specific questions.

Money Management Skills for College Students

Created for September 2014

Unfortunately, these “free” items can end up costing students a tremendous amount of (5) money if not understanding of how credit cards work and how they can damage credit ratings upon graduation.




money if they do not understand


money if they doesn't understand


money if he or she does not understand

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