Some universities give financial aid in the form of grants, which don’t have to be paid back, whereas others provide financial assistance in the form of loans, which must be paid back. Which option do you think is better and why?

I think it is better to offer students’ loans. I prefer loans because they make the student responsible. A student who has to pay back a loan becomes personally responsible for his or her education. Furthermore, loans are safer for the school. Grants require the school to give away large amounts of money, and there is no guarantee that the school will get the money back. Lastly, a student with a loan is probably more likely to stay in school. If the student doesn’t complete the degree, it will be harder to pay back the money.