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

IELTS.WORK Free Online Writing Practice # 1711650041

IELTS Writing Task 2 Topic:The impact of student loans on higher education:

Discuss the positive and negative effects of student loans on access to higher education and the financial burden on students, as well as their potential long-term consequences.

Model Answer:

In recent years, the increasing cost of higher education has led to a reliance on student loans in order for many students to attend university. While these loans can provide financial support for those seeking a higher education, they also have several negative effects that should be taken into account. In this essay, I will discuss both the positive and negative impacts of student loans on access to higher education, as well as their potential long-term consequences.

On the one hand, student loans can play a significant role in increasing access to higher education for students from lower-income backgrounds. By providing financial support, these loans allow talented individuals who may not have been able to attend university otherwise, to pursue their studies and subsequently contribute to society's economic growth. Furthermore, student loans can encourage universities to offer more competitive fees and scholarships in order to attract a diverse range of students. This competition can lead to improvements in the quality of education provided, as institutions strive to provide a better experience for their students.

However, there are also several negative aspects associated with student loans. Firstly, the financial burden that comes with repaying these loans can lead to significant stress and anxiety for many students. This can negatively impact their mental health and overall well-being, which may in turn affect their academic performance. Additionally, the high cost of education coupled with loan repayments can result in a lower quality of life after graduation, as individuals may have to make sacrifices in other areas such as housing, savings or starting a family.

Moreover, student loans can contribute to an increasing level of debt, which may deter some students from taking out loans and pursuing higher education altogether. This could potentially lead to a less skilled workforce, as those who are unable to access university due to financial constraints may not possess the necessary qualifications for high-skilled jobs in today's competitive job market.

In conclusion, while student loans can provide financial support for individuals seeking a higher education and increase access to university for those from lower-income backgrounds, they also come with several negative consequences. These include the potential for increased stress and anxiety, as well as long-term financial burdens that may limit opportunities in other areas of life. As such, it is essential for governments and educational institutions to consider alternative methods of funding higher education that balance the benefits of student loans with their potential drawbacks.

Scoring:

- Task Response: 9 (The candidate has responded fully to all parts of the task, providing comprehensive and detailed answers to the question.)
- Coherence and Cohesion: 8.5 (The response is generally well organized and logically structured, although some areas may be repetitive or lack smooth transitions between ideas.)
- Lexical Resource: 8 (The vocabulary used is appropriate and varied, but there are a few inaccuracies or instances of less precise language.)
- Grammatical Range and Accuracy: 8.5 (The grammar is generally accurate, but there may be some minor errors that do not hinder overall understanding.)
- Presentation of Ideas: 9 (The ideas are presented clearly and effectively, with appropriate use of specific examples to support the discussion.)

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