Student Loans

Woman Standing in Hallway While Holding Book
Type: Vocabulary
Originally published on March 1, 2023 and last updated on May 14, 2023

Conversation practice related to student loans is a good topic for English learners to improve their overall level of English because it covers a range of useful language skills.

Discussions topics like this require learners to comprehend and express ideas about complex financial and legal terms in English, which enhances their vocabulary and comprehension abilities. Additionally, conversations about student loans require learners to practice grammar structures like conditional sentences and passive voice, which are frequently used in written and spoken English.

This topic also promotes critical thinking and debate skills, as students explore various perspectives on student loans and discuss their opinions in English.

Go through the vocabulary below with your students and ask them to try and use this vocabaulry where possible when discussing the different conversation questions.

About Student Loans

Student loans are a type of financial aid that is designed to help students pay for their education. These loans are commonly offered by the government or sometimes private lenders, and they can be used to cover tuition, room and board, textbooks and other expenses.

Student loans are typically paid back over a period of 10 to 30 years, with monthly payments that are based on the borrower’s income and the amount of the loan. Some loans may have a fixed interest rate, while others may have a variable rate that changes over time.

The amount of a student loan can vary based on a number of factors, such as the student’s financial need, the cost of attendance at their school and the type of loan they are applying for.

Overall, student loans can be a useful tool for helping students pay for college, but it’s important for borrowers to carefully consider the terms of their loans and to plan for how they will pay them back in the years to come.

Useful Vocabulary

Try and use the following vocabulary when answering the question. Click to look up the definition in the dictionary

  • Financial aid (noun)
  • Eligible (adjective)
  • Gradually (adverb)
  • Pay off (phrasal verb)
  • Take out (phrasal verb)
  • Financial burden (phrase)
  • Income (noun)
  • Debt (noun)

Conversation Questions

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  • Have you ever taken out a student loan? If so, what was your experience like?
  • Do you think that student loans are a good way to pay for college or university?
  • What are some of the advantages of taking out a student loan?
  • What are some of the disadvantages of taking out a student loan?
  • What are some of the most important things to consider before taking out a student loan?
  • What types of financial aid, besides student loans, are available to students in your country?
  • Should the government forgive student loan debt after a set period of time? Why or why not?
  • Should student loans have a fixed interest rate?
  • Do you think the government should provide free college education instead of student loans?
  • Should universities be required to reduce their tuition fees?
This conversation topic was prepared by Gregory

Gregory is a qualified TEFL teacher who has been teaching English as a Foreign Language (ESL) for over a decade. He has taught in-person classes in Spain and to English learners around the world online.