_____, given the growing amount of individual debt around the world, there is no better time to learn about the negative effects of personal debt than at school. Students would be less likely to borrow what they could not afford, and more likely to stay in credit when they reach adulthood.

• argument is in favour of the statement

• argument is against the statement

_____, I believe that teaching teenagers how to manage their money within the school curriculum would be vital in allowing them to become financially independent, even before the age of 18. They would feel more confident being able to control their daily and monthly expenditure, and less reliant entirely on their parents for support or 'top-up' money.

• argument is in favour of the statement

• argument is against the statement

_____, some would argue that teenagers are often too immature to become truly financially responsible, and so the classes would be a waste of teaching time.

• argument is in favour of the statement

• argument is against the statement

Others point out that teaching the concept of financial responsibility as a new subject would unfairly favour those students who are good at maths, and even that it would be just another way for them to get the best grades

• argument is in favour of the statement

• argument is against the statement

_____, in my experience, neither of these last two points are particulary valid. Most teenagers are keen to become financially independent as soon as they possibly can, while even the best mathematicians can experience difficulties with money at some point.

• argument is in favour of the statement

• argument is against the statement

How many arguments agree with the essay question?

How many arguments disagree with the essay question?

Are the arguments in a logical order or would you reorder them?

• The arguments are in a logical order.

• I would reorder the arguments.

How would you group the arguments in paragraphs?

How do you think the candidate will summarise their position in their conclusion?

• They will strongly agree with the statement in the question.

• They will strongly disagree with the statement.

• There are arguments on both sides but overall they will agree.

• There are arguments on both sides but overall they will disagree.