The paragraph uses a serious tone to warn college students that spending excessively with credit cards can lead to major financial problems later in life if not managed responsibly. It notes that many students are accumulating large debts through credit card use before graduating, and this overspending can result in financial ruin unless students are vigilant about paying it back.

1. Explain the tone and figurative language in the following
paragraph. The number 1 lesson college students must learn is
this:actions have consequences. Many students are maxing out
those credit cards and racking up huge debt before graduation,
and that can lead them to financial ruin if they aren't careful.