Part 1
Examiner
Have you ever borrowed money from others?
Candidate
No, I haven't ever borrowed money from others because it's make me feel more, uh, strange and it's make people more secure about the learning lane and borrow from others. Umm, because money is, uh, the kind of things that make me.
Examiner
Have you ever lent money to others?
Candidate
No I haven't lent money to order until UMM because I feel secure and also if I gave them I I feel awkward for ask money even it's my own so I don't like to give lunch and.
Have you ever borrowed money from others?
Score: 28.0Suggestion: Be direct and clear: start with a simple topic sentence that answers the question, then give one or two concise, specific reasons using correct grammar and linking words. Avoid fillers (uh, um) and incomplete sentences. Use precise vocabulary (e.g. "feel uncomfortable", "dependent", "financially responsible") and keep answers within 3–5 sentences.
Example: No, I have never borrowed money from others. I feel uncomfortable asking because it makes me feel dependent and awkward. Besides, I prefer to manage my expenses myself so I avoid owing money to friends or family.
Have you ever lent money to others?
Score: 30.0Suggestion: Answer directly, then provide a clear, specific reason and a short example. Use correct sentence structure and linking words (e.g. "because", "so"). Remove repetition and fillers. Use vocabulary like "lend", "repayment", "uncomfortable", "boundaries" to sound natural.
Example: No, I haven't lent money to others. I usually avoid lending because I'm worried about repayment and it can make relationships awkward. For example, a friend once borrowed a small amount and delayed returning it, so now I prefer to set clear boundaries.
× No, I haven't ever borrowed money from others because it's make me feel more, uh, strange and it's make people more secure about the learning lane and borrow from others.
✓ No, I haven't ever borrowed money from others because it makes me feel strange, and it makes people more secure when they lend to others.
The student uses present perfect correctly but uses incorrect verb form 'make' after 'it' which requires third person singular 'makes' (subject-verb agreement / present tense). Also 'more, uh, strange' is awkward — use 'strange'. The phrase 'secure about the lending' is unclear; corrected to 'secure when they lend to others'. Suggestion: use 'it makes me feel' and 'it makes people feel' and choose clear nouns like 'lending' instead of 'learning lane'. Benefit: fixes subject-verb agreement and clarifies meaning.
× No I haven't lent money to order until UMM because I feel secure and also if I gave them I I feel awkward for ask money even it's my own so I don't like to give lunch and.
✓ No, I haven't lent money to others until now because I feel insecure, and if I gave them money I would feel awkward asking for it back even if it is mine, so I don't like to lend money.
Multiple issues: 'order' is a mispronunciation of 'others'; 'until UMM' should be 'until now' (time expression). The student shifts tenses and uses incorrect structures: 'if I gave them I I feel awkward for ask money' needs conditional form. Use 'if I gave them money, I would feel awkward asking for it back' (second conditional for hypothetical past/future). 'Even it's my own' should be 'even if it is mine'. 'Give lunch' likely intended 'lend'. Suggestions: choose correct words, use conditional 'would' for hypothetical feelings, and keep verb forms: 'ask' -> 'asking', 'lend' instead of 'give lunch'. Benefit: aligns tense and corrects verb forms for clarity and grammaticality.