The topic of student loans and their impact on career planning is a recurring theme in IELTS Writing Task 2 essays. Based on past exam trends and the current educational landscape, it’s highly likely that this subject will continue to appear in future tests. This article will provide sample essays and in-depth analysis to help you tackle this important topic effectively.

Let’s examine a relevant question that has appeared in recent IELTS exams:

Some people believe that students should pay for their own university education, while others think that the government should fund higher education. Discuss both views and give your opinion.

Analysis of the Question

This question requires you to:

1. Discuss the view that students should pay for their university education
2. Discuss the view that the government should fund higher education
3. Provide your own opinion on the matter

Remember to address all parts of the question and provide a balanced argument before stating your position.

Sample Essay 1 (Band 8)

Higher education funding is a contentious issue, with valid arguments on both sides. While some advocate for students bearing the cost of their university education, others believe it should be the government’s responsibility. This essay will examine both perspectives before offering a personal stance.

Those who support student-funded education argue that it instills a sense of responsibility and value in learners. When students invest their own money, they are more likely to take their studies seriously and make the most of their educational opportunities. Furthermore, this approach can lead to a more efficient allocation of resources, as only those truly committed to higher education will pursue it. This view aligns with the concept of education as a personal investment in one’s future career.

On the other hand, proponents of government-funded higher education emphasize the societal benefits of an educated population. They argue that when education is accessible to all, regardless of financial background, it promotes social mobility and economic growth. Additionally, government funding can ensure that vital professions, such as teaching and healthcare, have a steady influx of qualified graduates, benefiting society as a whole. This perspective views education as a public good rather than a private commodity.

In my opinion, a balanced approach combining both student and government funding is ideal. While students should contribute to their education to foster personal responsibility, the government should provide substantial support to ensure equal access to higher education. This could be achieved through a system of means-tested grants, low-interest loans, and work-study programs. Such a model would maintain the value of education while preventing financial barriers from limiting talented individuals’ access to university.

In conclusion, both student-funded and government-funded models of higher education have their merits. A hybrid system that incorporates elements of both approaches can strike a balance between personal investment and societal benefit, ultimately creating a more equitable and efficient educational landscape.

Student loans and career planning infographic

Sample Essay 2 (Band 7)

The question of who should bear the cost of university education is a topic of much debate. Some believe students should pay for their own higher education, while others think it should be funded by the government. This essay will discuss both viewpoints and provide my personal opinion.

Those who support students paying for their own university education argue that it makes them more responsible and appreciative of the opportunity. When students invest their own money, they are likely to take their studies more seriously and work harder to succeed. Additionally, this approach can help reduce the financial burden on the government, allowing funds to be allocated to other important areas such as healthcare or infrastructure.

On the other hand, supporters of government-funded higher education believe that it promotes equal opportunities for all citizens, regardless of their financial background. They argue that when education is accessible to everyone, it leads to a more skilled workforce and a stronger economy. Furthermore, government funding can ensure that important professions, such as teaching and nursing, have enough qualified graduates to meet societal needs.

In my view, a combination of both approaches would be the most effective solution. While students should contribute to their education to some extent, the government should also provide significant support. This could be achieved through a system of subsidized loans, grants, and scholarships based on merit and financial need. Such a model would encourage students to value their education while ensuring that talented individuals are not prevented from attending university due to financial constraints.

In conclusion, both student-funded and government-funded models of higher education have their advantages. A balanced approach that incorporates elements of both systems can create a fair and sustainable solution that benefits both individuals and society as a whole.

Sample Essay 3 (Band 6)

The topic of who should pay for university education is very important. Some people think students should pay, while others believe the government should pay. I will discuss both ideas and give my opinion.

When students pay for their own education, they may work harder because they are spending their own money. This can make them more serious about their studies and help them get better grades. Also, if students pay, the government can save money and use it for other things like hospitals or roads.

However, if the government pays for higher education, more people can go to university, even if they don’t have a lot of money. This is good because it gives everyone a chance to learn and get a good job. It can also help the country have more skilled workers, which is good for the economy.

I think the best way is to have both students and the government pay for university education. Students can pay some money, but the government should also help. This way, students will value their education, but it won’t be too expensive for them. The government can give loans or scholarships to help students who need money.

In conclusion, there are good reasons for both students and the government to pay for university education. A mix of both ideas can be the best solution for everyone.

Impact of student loans on career choices

Explanation of Band Scores

Band 8 Essay:

• Fully addresses all parts of the task with a well-developed response
• Presents a clear position throughout the response
• Uses a wide range of vocabulary with very natural and sophisticated control of lexical features
• Uses a wide range of structures with full flexibility and accuracy
• Presents ideas coherently and cohesively using a variety of cohesive devices

Band 7 Essay:

• Addresses all parts of the task
• Presents a clear overall position
• Uses a sufficient range of vocabulary to allow some flexibility and precision
• Uses a variety of complex structures
• Logically organizes information and ideas with clear progression throughout

Band 6 Essay:

• Addresses all parts of the task, though some parts may be more fully covered than others
• Presents a relevant position, though conclusions may become unclear or repetitive
• Uses an adequate range of vocabulary for the task
• Uses a mix of simple and complex sentence forms
• Arranges information and ideas coherently and there is a clear overall progression

Key Vocabulary to Remember

1. Contentious (adj.) /kənˈtenʃəs/ – causing or likely to cause disagreement
2. Advocate (v.) /ˈædvəkeɪt/ – to publicly support or recommend a particular cause or policy
3. Instill (v.) /ɪnˈstɪl/ – to gradually but firmly establish an idea or attitude in a person’s mind
4. Allocation (n.) /ˌæləˈkeɪʃn/ – the action or process of distributing resources or tasks for a particular purpose
5. Proponent (n.) /prəˈpəʊnənt/ – a person who advocates for or supports a theory or course of action
6. Accessible (adj.) /əkˈsesəbl/ – able to be reached or easily obtained
7. Mobility (n.) /məʊˈbɪləti/ – the ability to move freely between different levels in society or employment
8. Means-tested (adj.) /miːnz ˈtestɪd/ – (of a benefit or service) available only to people whose income is below a certain level
9. Hybrid (adj.) /ˈhaɪbrɪd/ – combining two different elements
10. Subsidized (adj.) /ˈsʌbsɪdaɪzd/ – supported financially, typically by public funds

Student loan repayment strategies

The importance of saving for education cannot be overstated, as it directly impacts career choices and financial stability. Understanding the complexities of student loans and their influence on career planning is crucial for IELTS candidates. By studying these sample essays and analyzing their structures, you can improve your writing skills and prepare for similar questions in the IELTS Writing Task 2.

Remember, practice is key to success in IELTS writing. Try crafting your own essay on this topic and share it in the comments section below for feedback and discussion. This active approach to learning will help you develop the skills needed to excel in your IELTS exam.

For further preparation, consider exploring related topics such as financial literacy for young adults and managing debts effectively for future. These subjects often intersect with the theme of student loans and career planning, providing a broader understanding of financial decision-making in education and early career stages.