The following article on loans for students is free for you to use in your lesson as a topic of discussion. There are many words relating to education loans that native English speakers deal with every day without a second thought. But ESL students may not be able to handle more than just 'borrow money' so this is a rich source of vocabulary for them. Get your student to read the article aloud and correct pronunciation. |
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Unfortunately this has resulted in a new underclass that would have been unheard of twenty years ago. Because so many companies are now desperate to earn interest off no cost no fee student loans, lots of students are now in debt. Their fee free educational loan has put them in a position where they now look forward to spending years paying it off. While the previous generation had been put through school and university on the back of their hardworking parents, higher living costs have meant that a lot of parents just can't afford to do that these days. So, the debt goes onto the student's shoulders. In Australia, HECS is designed to alleviate the stress incurred by high university costs. It is an interest free government loan that can be paid off via debits from an ex student's pay packet. If they get their degree their 'employability' will usually mean they can pay it off within 4-5 years. If they failed, though, it may take decades to pay it off. In an effort to protect the low income ex students, the HECS debt payments do not cut in until a certain threshold is reached. This allows the ex student to work up through the job market without the stress of worrying if they will have enough money to pay off their debt. Unfortunately this system doesn't exist in a lot of countries and the student does have to deal with the stress of worrying about their money and debts. So, their credit card expenses, personal loans, mortgages and other 'buy now pay later' situations they may get themselves into has meant a new business has arisen to profit from this inevitable situation. - Student loan consolidation and refinancing. Click on loans
refinancing to go to the next part of the article.
If you're a teacher, these articles can be used to help you create a discussion lesson. Get the students to read an article aloud then discuss some of the vocabulary, phrases, idioms and phrasal verbs used. Discuss the issues that the article has brought up. If you're a student, any reading is good English practice for you. Read an article on a topic you like then research any vocabulary used. If you didn't agree with what the article says, you can write your own, refuting it! If you're wanting to Become an English language Conversation Tutor, you may be interested in the latest ebook from James here. Have fun! |
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Online English discussion group Japanese Language Exchange Electronic Dictionaries Online Store |
