Drug abuse: increasing awareness on negative effects of drug abuse, and also ignorance.
Joblessness: Government poor policies, and retrenchments that leave many jobless.
Poor parenting: Young adults brought up in broken homes, and young adults from orphanages.
Answer:
by stating what the group will discuss first
In the US you have to be of legal age to own a credit card, so 18.
The thesis statement is a statement that tells the reader what are you going to talk about in your essay.