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Critics of VLE worry about the disconnect that can occur between the teacher and students, as well as between student to student. A Virtual Learning Environment does not provide students with face-to-face interaction and therefore, can deprive students of opportunities for better communication and deeper understanding.
In finance, a loan is the lending of money by one or more individuals, organizations, or other entities to other individuals, organizations etc. The recipient (i.e., the borrower) incurs a debt and is usually liable to pay interest on that debt until it is repaid as well as to repay the principal amount borrowed.