c because they used evidence in their reason why credits are harmful
[ Answer ]
Use of evidence to support opinions
[ Explanation ]
Opinion: I think credit cards are harmful for college students
Evidence to support opinion: According to the article, students who have credit cards graduate college with more debt than those who don't.
The group discussion technique best illustrated here is "Use of evidence to support opinions." The student has stated his / her opinion, and used evidence from an article to support their opinion.
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