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

IELTS.WORK Free Online Writing Practice # 1712955263

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

Model Answer:

In recent years, the rising cost of higher education has led many students to rely heavily on student loans in order to finance their studies. This essay will discuss the positive and negative impacts that these loans have on both the individual student and society as a whole.

On one hand, student loans can provide financial support for those who may not otherwise be able to attend university or college. For example, low-income families may struggle to cover the cost of tuition fees and living expenses without taking out a loan. In such cases, student loans enable students from all socioeconomic backgrounds to access higher education, thereby promoting social mobility and reducing income inequality. Additionally, the availability of student loans can stimulate economic growth by increasing the number of graduates entering the workforce with specialized skills.

On the other hand, there are several potential downsides associated with relying heavily on student loans. Firstly, students who take out large amounts of debt may face significant financial pressure upon graduation, as they must repay their loans within a certain period of time. This can lead to high levels of stress and anxiety, which in turn may impact the individual's mental health and overall well-being. Moreover, if a student is unable to secure employment in their chosen field after graduation, they may find themselves struggling to make loan repayments while also dealing with underemployment or unemployment.

Furthermore, the reliance on student loans could potentially contribute to the rising cost of higher education. As institutions become more aware of the fact that students have access to borrowed funds, they may be inclined to increase tuition fees and other expenses, knowing that these costs can be covered by loans. This situation has the potential to create a vicious cycle where students continue to accumulate debt at an alarming rate, leading to an unsustainable financial burden on both individuals and society as a whole.

In conclusion, while student loans undoubtedly play a crucial role in enabling many people to access higher education and pursue their dreams, it is important to carefully consider the potential negative consequences that these loans can bring about. Policymakers must strive to strike a balance between ensuring equal opportunity for all and not exacerbating the financial pressures faced by students upon graduation.

IELTS Scoring:

- Task Response: 9 (The candidate has fully addressed the topic, providing relevant details and a well-rounded analysis)
- Coherence and Cohesion: 8.5 (The essay is well-organized, with smooth transitions between paragraphs)
- Lexical Resource: 8 (A range of vocabulary is used accurately and appropriately to express ideas)
- Grammatical Range & Accuracy: 9 (The candidate demonstrates a high level of grammatical accuracy and complexity)

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