In the second path, there is input from significant others (e.g. his/her friends think that he/she has knowledge about repayment) that causes perceptions of social acceptability (i.e. most
students are aware that loan repayment is important), which causes intention to act, which
causes behavior. The TRA is successful when applied to behaviors that are under a person’s
volitional control (Ajzen, 1985; 1991).