Expert opinion was incorporated by ensuring the items were relevant and represented the constructs. Experts are able to provide valuable input by selecting a subset of items of particular relevance to the constructs; this restricts the number of potentially correlated constructs considered for inclusion in a model, and thereby ensures that only relevant items are selected for the constructs. Two (2) experts from the organization providing loans in Malaysia, i.e. the National Higher Education Fund Corporation (NHEFC), were involved in the study: a manager and a loan officer. Furthermore, two (2) parents of NHEFC borrowers—one (1) secondary school teacher and one (1) bank officer—were involved, as well as six (6) lecturers—two (2) from Brunel university and four (4) from Malaysian universities. Two (2) lecturers from Malaysia were former NHEFC borrowers and one (l) lecturer used to be a former staff in the Loan and Scholarships division at the Ministry of Higher Education of Malaysia. The final group involved in the content/face validation comprised four (4) master students (former loan borrowers). Details of items from the qualitative study—deleted and revised in the process of content/face validation—are presented in Table 5.8.