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

IELTS.WORK Free Online Writing Practice # 1712494353

Writing Task 2 Topic: Discuss the impact of student loans on higher education

Model Answer:

Title: The Pros and Cons of Student Loans in Higher Education

In recent years, the role of student loans in funding higher education has become increasingly significant. This essay will explore both the benefits and drawbacks of this financial tool for students pursuing higher education.

On the one hand, student loans have made it possible for a larger number of people to access higher education. Without these loans, many talented individuals from lower-income families may not be able to attend university due to the high costs associated with tuition and living expenses. As a result, student loans play an essential role in promoting social mobility and creating opportunities for disadvantaged students.

Moreover, student loans can help students invest in their future by gaining valuable skills and qualifications that may lead to higher-paying jobs in the long run. By investing in their education, students can expect a return on investment through increased earning potential over their lifetime. This, in turn, contributes to the overall economic growth of a country as more people are equipped with the necessary skills to contribute to the workforce.

However, there are also several downsides to relying heavily on student loans. One major concern is the accumulation of debt that can burden graduates for years or even decades after completing their studies. This financial pressure may lead some individuals to make poor financial decisions, such as delaying saving for retirement or purchasing a home, in order to manage their loan repayments. Additionally, defaulting on loans can have severe consequences on an individual's credit rating and future financial prospects.

Furthermore, the high cost of tuition fees combined with the availability of student loans may contribute to an inflated demand for university degrees. This phenomenon, known as "degree inflation," can result in a surplus of graduates in certain fields, making it more challenging to find employment and subsequently repay their loans. As a consequence, students may be left with a degree but without the desired career opportunities or financial stability.

In conclusion, student loans play a crucial role in broadening access to higher education for those who might not otherwise be able to afford it. However, it is essential to consider the potential drawbacks, such as the accumulation of debt and the risk of "degree inflation." To ensure a more balanced approach to funding higher education, governments should explore alternative solutions, such as increasing public investment in universities or offering incentives for employers to invest in employee education.

Overall, the benefits and challenges associated with student loans in higher education require careful consideration to strike the right balance between accessibility and sustainability.

IELTS Scoring Standards:

- Task Response: 8 (The essay provides a comprehensive response to the question, addressing both the positive and negative aspects of the issue.)
- Coherence and Cohesion: 9 (The essay is well-structured, with logical progression of ideas and effective use of cohesive devices such as conjunctions and restatements.)
- Lexical Resource: 8.5 (The vocabulary used in the essay is varied and advanced, with some less common words or phrases used to convey complex ideas.)
- Grammatical Range and Accuracy: 9 (The grammar throughout the essay is accurate and sophisticated, with few or no errors that distract from the overall quality of the writing.)

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