Next, the parents of NHEFC borrowers were selected as they are experienced as guarantors for their children‘s loans. They are also educated and able to validate the questionnaire draft (conceptual definitions, constructs, items) effectively. Following the procedure, as described in the previous paragraph, they were also asked to assess constructs, items, content, as well as wording clarity. Two (2) items were proposed for deletion from parental influence construct, namely ‘my parents borrow loan from commercial bank to repay my educational loan’ and ‘my parents’ huge debt affected me’.