50 Latest Credits IELTS Topics

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Many people are using credits cards or loans to run up huge personal debts that they may be unable to repay. it should therefore be made more difficult for individuals to borrow large amounts of money. What are your opinion on this.
In order for many young people to contribute to our society, it is worthwhile to make university/college students do colunteer work in order to give credits which are necessary for their degrees. To what extent do you agree or disagree?
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