Essay Question
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 individuals to borrow large amounts of money. What are your opinions on this? Discuss both of these views and give your own opinion.
90-Points (9 Bands) Sample Answer for Essay
The debate on whether it should be made more difficult for individuals to borrow large amounts of money encompasses diverse viewpoints, revealing its advantages and drawbacks. This essay critically assesses these perspectives.
There are myriad arguments in favour of my stance. Recent research not only outlines the significance of studies as well as people, but also points out the importance of education and coping with vicissitudes. Besides, it provides a brief overview of expanding cultural understanding, followed by enhancing global perspectives. Examples of this can be seen all over the world, especially in affluent nations. Further, the implications of technological advancements on these views are significant, justifying widespread support for the idea that it should be made more difficult for individuals to borrow large amounts of money.
However, there are some arguments against the aforementioned view. Besides, its impact is far-reaching indeed as its influence extends to various facets of society, shaping not only individual experiences but also impacting the academic research landscape. Therefore, it is apparent why many are against the notion that it should be made more difficult for individuals to borrow large amounts of money.
In conclusion, while the viewpoint that it should be made more difficult for individuals to borrow large amounts of money presents a complex array of advantages and disadvantages, my analysis leads me to firmly support the notion that its benefits substantially outweigh the drawbacks.
*By utilizing the AGBS template, this model answer secures full marks in the PTE Academic exam. Scoring for the Essay Question-type depends on various factors including Content, Form, Grammar, Vocabulary Range, Spelling, General Linguistic Range, and Development, Structure, and Coherence. The picture below illustrates how this answer achieves full scores as per these criteria!
How much score will I get with this PTE Academic Essay Sample Answer?
You can confidently use this Essay Answer in the PTE Academic exam with similar results. You can even try it for yourself right now, click the link below and check immediately. Remember to type it all out, rather than copy pasting, as it will help you in getting prepared.
Template used in this Essay Sample Answer
Before you start typing, consider memorizing the whole template. Here is the template for the AGBS essay type. You know that PTE essays come in two forms: AGBS and PS. Both templates have a similar structure but differ slightly in text to suit each essay type.
Agree Disagree / Both Sides Template
The debate on whether TS* encompasses diverse viewpoints, revealing its advantages and drawbacks. This essay critically assesses these perspectives.
There are myriad arguments in favour of my stance. Recent research not only outlines the significance of studies as well as people, but also points out the importance of education and coping with vicissitudes. Besides, it provides a brief overview of expanding cultural understanding, followed by enhancing global perspectives. Examples of this can be seen all over the world, especially in affluent nations. Further, the implications of technological advancements on these views are significant, justifying widespread support for the idea that TS*.
However, there are some arguments against the aforementioned view. Besides, its impact is far-reaching indeed as its influence extends to various facets of society, shaping not only individual experiences but also impacting the academic research landscape. Therefore, it is apparent why many are against the notion that TS*.
In conclusion, while the viewpoint that TS* presents a complex array of advantages and disadvantages, my analysis leads me to firmly support the notion that its benefits substantially outweigh the drawbacks.
*Now, with the above template, you only have to add one phrase (a TS), which almost looks like a sentence.
What is TS?
The Topic Sentence (The TS) is a clear and short statement that uses the main words of an essay. It fits into a specific structure where rest of the essay is already written, so only the TS needs to be created. This helps keep the essay on track and makes sure it stays positive or neutral. The TS uses important words from the essay topic and is designed to be simple, avoiding tricky words or negative phrases.
Example TS for the current essay:
'it should be made more difficult for individuals to borrow large amounts of money'
What makes this TS suitable?
The TS "it should be made more difficult for individuals to borrow large amounts of money" is appropriate for the essay topic because it clearly presents a viewpoint that aligns with the concerns raised in the prompt. The statement suggests that there is a need for stricter rules regarding borrowing money, which directly relates to the issue of personal debt mentioned in the essay topic.
By stating that borrowing should be more challenging, the TS highlights a potential solution to the problem of individuals accumulating unmanageable debts. This makes it a strong starting point for discussing the reasons behind this viewpoint. The TS avoids any confusing language and sticks to a clear and direct expression of opinion, which is essential for effective communication.
From a grammatical perspective, the TS is correct, with a clear subject ("it") and a complete thought ("should be made more difficult for individuals to borrow large amounts of money"). There are no spelling mistakes, ensuring the statement is easy to read and understand.
The TS includes important keywords such as "difficult," "borrow," and "large amounts of money." These words are relevant to the topic of personal debt and will help in discussing both sides of the argument effectively. This focus on the need for restrictions on borrowing sets a solid foundation for exploring the implications of personal debt while allowing for a balanced discussion of differing opinions. Overall, the TS provides a clear and relevant perspective that fits well within the context of the essay topic.
Important Words for Relevancy + Content Scores
To make your own TS, which should contain words related to the essay topic, here is a list of such words and phrases. These words are directly drawn from the essay prompt, providing you with several ideas for your TS.
- Credit Cards: Credit cards are plastic cards that allow people to borrow money from a bank to make purchases. For example, using a credit card can be convenient for buying groceries or online shopping, but it can lead to debt if not managed carefully.
- Loans: Loans are sums of money borrowed from a bank or lender that must be repaid with interest. For instance, a student loan helps pay for education, but students must pay it back after they graduate.
- Personal Debts: Personal debts are money owed by an individual to lenders or creditors. For example, if someone uses a credit card too much, they might end up with personal debts that can be hard to repay.
- Borrow Large Amounts of Money: Borrowing large amounts of money means taking out a significant loan that requires careful consideration. For example, buying a house often involves borrowing a large amount of money, which needs to be paid back over many years.
- Cashless Society: A cashless society is a community where financial transactions are conducted without physical money, using digital payments instead. For example, many shops now accept contactless payments, making it easier for people to buy things without cash.
- Plastic Money: Plastic money refers to credit and debit cards that are used instead of cash. For instance, using plastic money can be more convenient and safer than carrying cash around.
- Corruption: Corruption is dishonest or unethical behaviour by people in power, often involving bribery. For example, corruption can happen when officials take money to ignore laws, which can harm the economy.
- Economy: The economy refers to the system of production, distribution, and consumption of goods and services in a country. For example, a strong economy means people have jobs and businesses are thriving.
- Black Cash: Black cash refers to money that is earned illegally and not reported to the authorities. For instance, black cash can contribute to corruption and affect the economy negatively.
- Elimination of Payments: Elimination of payments refers to the removal or reduction of cash transactions in favour of digital methods. For example, some businesses might eliminate cash payments to streamline their operations and reduce theft.
- Reduction of Payments: Reduction of payments means decreasing the amount of money exchanged for goods and services. For example, using digital payments can lead to a reduction in the need for carrying cash, making transactions quicker.
Use these suggested words to craft your own TS. Then, complete the template provided above and submit it to our AI for evaluation. Continue refining only the TS until you get full marks. This is the quickest way to prepare for the writing section of the PTE Academic test.
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Vanita
PTE TutorVanita, a premier PTE Tutor at Marvel PTE, merges her MBA insights with a decade of English teaching passion. Specializing in exam prep at classroom level and influencer-driven prep, her AI-infused strategies guide aspirants to PTE success, often achieving desired scores on their first attempt.