IELTS Speaking Part 1 Borrowing: Below are the sample answers to the recent topic of borrowing and lending. Study how each question is answered and understand how the topic vocabulary words about borrowing are used in every answer. Achieve your target band score or even get a band of 9.0 by using those techniques used in this post.







Have you borrowed books from others?


(Answer 1)


As I’m still a student, yes I have, innumerable times. I don’t have the means to buy books. Although I have a part-time job, my wage is just enough for my daily needs and for the rent of my apartment. To be honest with you, I make ends meet, and buying my own books isn’t my priority.


(Answer 2)


Not even once because I don’t want to bother other people. I make sure to buy the books that I love to read. In case, I can’t find the books in a bookstore or in an online shop, I just go to a city library to check if there are any and if I’m lucky to find one, that’s the time that I borrow.



Innumerable [adj.] – countless

(The) means [noun] – money

Make ends meet [phrase] – earn money to live without getting any debt; manage; get by

Least of my concern [expression] – is something that someone is not worried about since there are more other important things to focus on

Not even once [expression] – never

Bother [verb] – disturb

In case [phrase] – used to talk about things we should do in order to be prepared for possible future situations




i.) FIRST ANSWER: The speaker did not immediately say YES, instead, he injected his status which is ‘a student’ in order to give the examiner an idea of who he was and for him to spontaneously deliver his answer without any hesitation. Then, he provided his realistic reason to support his answer. Notice his usage of vocabulary – they’re really good!

ii.) SECOND ANSWER: The speaker gave a direct negative answer and simply explained his answer. Then he transitioned to using a condition (In case…) in order to make his answer longer. This kind of technique can surely help you extend your answer. If you can use it in your answer, it’ll be great!



Is it good to borrow money from friends?


(Answer 1)


Well, I don’t see any problem with borrowing money from friends as long as we keep our promise to pay them on time. As you know, money can usually break a relationship, so as much as possible, we have to avoid compromising our good relationship with our friends, and make sure to repay them on the exact date as promised.

(Answer 2)


Well for me, no, because it does break a relationship. I’ve had many experiences where I let go of the people whom I once called friends because they never returned the money that they borrowed from me. It’s just so frustrating because they took advantage of my kindness. Well, anyway, there are some people who are really shameless that they never really care about paying what they owe you.



Keep a promise [expression] – to fulfill the promise

On time [phrase] – to/on schedule

Compromise [verb] – bring into danger or disrepute by foolish or reckless behavior

Repay [verb] – pay back

Owe [verb] – have an obligation to pay or repay

Let go [phrase] – to give up

Frustrating [adj.] – making someone feel annoyed or disappointed





i.) FIRST ANSWER: The speaker provided a very natural answer by affirming that there’s no problem with borrowing. And then right after that, he talked about the reality of money being the destroyer of relationships. He ended his answer by concluding that a promise of repaying should be kept when borrowing money. This is a very easy question since we all experience this at least once in our lives, so don’t be scared about this question. Speak from your heart.

ii.) SECOND ANSWER: Here the speaker gave a no-answer. Then he talked about his bad experiences with lending money to his friends. His answer focused more on being a lender rather than being a borrower. And his experience made him disagree with the idea of ‘borrowing money’. This is a different way to answer that question. This kind of answer surely leads to confusion, if the examinee is not 100% focused on his answer.  



Do you like lending things to others?


(Answer 1)


Well, it depends on what kinds of things people want to borrow from me. If they are just petty things like books, shoes, clothes, things like that, without a second thought, I can lend those things. However, if it’s more valuable like a car or jewelry, I never give in lending these precious things even to my closest friends because I’m afraid that they might damage or lose them.

(Answer 2)


Well, it’s on a case-by-case basis, if the borrower is a person who is near and dear to me, without hesitation, I will lend. However, if the person who wants to borrow things from me is careless or irresponsible, even if he’s my friend, I never ever give him any chance to borrow and use my things.




Petty [adj.] – less important

Without a second thought [phrase] – to act immediately

Give in [phrasal verb] – submit; surrender

Case-by-case basis [adj.] – used to describe a decision that’s made separately

Borrower [noun] – a person who takes and uses something belonging to someone else

Near and dear [expression] – very important




i.) FIRST ANSWER: The speaker used a ‘conditions’ technique in his answer. He provided two kinds of situations and then explained them thoroughly. This is a very good way to make his answer a bit longer.


ii.) SECOND  ANSWER: The speaker also used the same technique as in the first answer, however, the content was just different. This time he focused on the borrower and not on things. In the first answer, the speaker centered his answer on things. Brief answer and a good one!



How do you feel when people don’t return things they borrowed from you?

(Answer 1)

Of course, I will be very upset, most especially if the borrower is the person whom I give my trust to. But, I’m usually patient, so if he gives me a reasonable explanation as to why he can’t return my things, then I’ll just wait until he can give my things back. Well, as long as there is an acceptable reason, I don’t stress myself by thinking about it.


(Answer 2)

I definitely hate it when people never really care about returning my things, most especially if they don’t give any effort of explaining to me the reason. I’m a person who doesn’t like reminding others to return my things or asking them to pay me the money that they borrowed. And because of that, I don’t easily lend my things to others. I don’t want to be stressed out.





Upset [adj.] – unhappy

Reasonable [adj.] – sensible; rational

Give back [phrasal verb] – to return


i.) ANSWER 1: The speaker immediately expressed his feeling and then transitioned his answer to talking about his character of being patient. It is such a direct answer! Always give a straightforward answer and avoid beating around the bush.



Have you ever borrowed money from your friends?


Yes, but just once, that was when I was seriously struggling financially and that’s because I got laid off from my part-time job. Actually, that was my first experience to borrow money from one of my closest friends and honestly, I was kind of embarrassed doing such but I had no choice then.




Lay off [adj.] – discharge a worker; dismiss



Please check the RECENT TOPIC in IELTS SPEAKING PART 1 PETS on this link

And that’s all about IELTS Speaking Part 1 Borrowing recent topic! It is never difficult at all, right? I hope you apply the techniques which you learned from this post when you get this topic in your actual exam. 




Meaning of Words and Phrases Sources: Collins, Macmillan, Cambridge, Oxford

Do you have any questions or comments? Please leave them below. 



If you want to support my work, you can buy me A CUP OF COFFEE here:

Thank you so much!