Many people are using credit cards or loans to run up huge personal debts that they may be unable to repay. It should therefore be made more difficult for the individuals to borrow large amounts of money. What are your opinions on this?

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Myriads of
people
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

are using credit cards or lending
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

to
give
Verb problem
pay

There may be a verb use issue here.

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huge personal debts that they
perhaps
Add a missing verb
are perhaps

It seems that you are missing a verb. Consider adding it.

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not able to repay.It ought to be made more
ardous
Correct your spelling
arduous

If you don’t want ardous to be marked as misspelled in the future, you can add it to your personal dictionary.

for
people
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

to borrow huge
sum
Fix the agreement mistake
sums

It seems that sum may not agree in number with other words in this phrase.

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of
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

.
This
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

essay will discuss
as to
Change preposition
apply

It seems that preposition use may be incorrect here.

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why it is necessary to
implent
Correct your spelling
implement
implant

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strict rules and regulations in burrowing
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

via credit cards or
loan
Fix the agreement mistake
loans

It seems that loan may not agree in number with other words in this phrase.

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.
To begin
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

with,
people
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

become more dependent on
useage
Correct your spelling
usage

If you don’t want useage to be marked as misspelled in the future, you can add it to your personal dictionary.

of credit cards which may result in no savings or
which render
Verb problem
cause

There may be a verb use issue here.

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them to incur heavy debts and sometimes they are compelled to sell their precious belongings in order to get rid of loans
Secondly
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

,some
people
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

develop the habit of lending
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

and consider it to be the easiest way of getting
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

however
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

it
also
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

sometimes
incite
Correct subject-verb agreement
incites

It seems that the verb incite does not agree with the subject. Consider changing the verb form.

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burrowers to engage in
henios
Correct your spelling
heinous

If you don’t want henios to be marked as misspelled in the future, you can add it to your personal dictionary.

crimes to pay their
heft
Correct your spelling
heavy

The word heft doesn’t seem to fit this context. Consider replacing it with a different one.

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debts which would result in damaging
the
Correct article usage
apply

It seems that there is an article usage problem here.

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society In
conclusion
Add a comma
conclusion,

It appears that you are missing a comma after the introductory phrase In conclusion. Consider adding a comma.

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people
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

should be encouraged to save at least little sum of
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

to use in hard times
as well as
Linking Words

Usage of linking words is important in IELTS writing. They help create clear connections between ideas in your writing. They improve the flow of your essay by showing relationships between paragraphs and sentences. Using appropriate linking words demonstrates your ability to write cohesively and will help you achieve a higher band score.

government should be given
framework
Correct article usage
a framework

It seems that there is an article usage problem here.

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by the experts to
reform
Verb problem
inform

There may be a verb use issue here.

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public
Correct article usage
the public

It seems that there is an article usage problem here.

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about various
way
Fix the agreement mistake
ways

It seems that way may not agree in number with other words in this phrase.

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of
Change preposition
apply

It seems that preposition use may be incorrect here.

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how to earn extra
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

and give them
a
Remove the article
apply

The indefinite article, a, may be redundant when used with the uncountable noun guidance in your sentence. Consider removing it.

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direct guidance to spend
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

in a positive way and emphazie on saving
money
Use synonyms

It is important to use synonyms in your writing, as you will lose marks if you repeat words from the question and use the same words in your essay over and over. If you do that, it will show the examiner that you have a limited vocabulary and you want to do the opposite for a high band score.

during hardships.

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task achievement
Ensure your introduction provides a clear and concise overview of your main arguments. State clearly what you will discuss in the essay.
task achievement
Develop each main point with specific examples and further explanation to support your arguments.
coherence cohesion
Use varied sentence structures to make your writing more engaging and avoid repetition.
coherence cohesion
Pay attention to punctuation and ensure you don't have run-on sentences. Break down complex sentences for clarity.
task achievement
You have clearly articulated the necessity of implementing stricter borrowing regulations.
coherence cohesion
The essay has a clear introductory sentence and an evident conclusion that summarizes your stance.

Fully explain your ideas

To get an excellent score in the IELTS Task 2 writing section, one of the easiest and most effective tips is structuring your writing in the most solid format. A great argument essay structure may be divided to four paragraphs, in which comprises of four sentences (excluding the conclusion paragraph, which comprises of three sentences).

For we to consider an essay structure a great one, it should be looking like this:

  • Paragraph 1 - Introduction
    • Sentence 1 - Background statement
    • Sentence 2 - Detailed background statement
    • Sentence 3 - Thesis
    • Sentence 4 - Outline sentence
  • Paragraph 2 - First supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 3 - Second supporting paragraph
    • Sentence 1 - Topic sentence
    • Sentence 2 - Example
    • Sentence 3 - Discussion
    • Sentence 4 - Conclusion
  • Paragraph 4 - Conclusion
    • Sentence 1 - Summary
    • Sentence 2 - Restatement of thesis
    • Sentence 3 - Prediction or recommendation

Our recommended essay structure above comprises of fifteen (15) sentences, which will make your essay approximately 250 to 275 words.

Discover more tips in The Ultimate Guide to Get a Target Band Score of 7+ »— a book that's free for 🚀 Premium users.

Topic Vocabulary:
  • financial literacy
  • credit cards
  • loans
  • debts
  • mental health
  • well-being
  • stringent checks
  • balances
  • repaying
  • reckless spending
  • living beyond one's means
  • financial destabilization
  • regulations
  • cap (verb)
  • income
  • financial commitments
  • mandatory financial education
  • financial decisions
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