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IELTS Free Online Writing Practice - question on the impact of student loans on higher education

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IELTS Writing Task 2 question on the impact of student loans on higher education:

Title: The Impact of Student Loans on Higher Education

"In many countries, student loans have become a necessary tool for students to access higher education. Some people believe that these loans can have a positive effect on society by increasing the number of educated individuals. Others argue that they create an unfair burden on young people and may lead to financial difficulties later in life.

Discuss both sides of the argument and give your own opinion on whether student loans are beneficial or detrimental to higher education."

Here is a model answer for this question:

In recent years, the role of student loans in financing higher education has become increasingly significant. While some argue that these loans provide access to education for those who may not have had the opportunity otherwise, others contend that they contribute to an unsustainable financial burden on young people. This essay will discuss both perspectives and present a balanced conclusion.

On one hand, proponents of student loans assert that they play a crucial role in promoting social mobility by offering equal opportunities for all students regardless of their socio-economic background. For instance, student loans allow talented individuals from low-income families to pursue higher education, which may not have been possible otherwise. Additionally, the availability of such loans encourages a diverse range of students to apply for higher education, fostering a more inclusive academic environment. In this way, student loans can contribute to the development of a more equitable and just society by breaking down barriers to access.

On the other hand, opponents of student loans argue that they create a significant financial burden on young people, as they are required to repay these loans with interest after completing their studies. This financial pressure may lead to stress and anxiety among students who feel obligated to find well-paying jobs in order to repay their debts. Furthermore, critics of student loans claim that the cost of education is inflating at a faster rate than wages, which means that students are left with an increasingly heavy debt burden. As a result, some argue that student loans may not be worth the financial strain they impose on young people.

In conclusion, while student loans can be seen as a necessary tool for promoting social mobility and increasing access to higher education, it is equally important to consider the potential financial consequences for students. Policymakers should strive to strike a balance between ensuring equal opportunities in education and not placing an unfair burden on future generations. By carefully regulating loan policies and investing in affordable education options, it may be possible to minimize the negative impacts of student loans while still providing access to higher education for all qualified individuals.

Overall, this essay is well-structured with a clear introduction, body paragraphs that present both perspectives, and a conclusion that presents a balanced view on the topic. The language used throughout the essay is appropriate for an IELTS exam candidate at a high level (band score 7 or above).

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