• Repayment collection should be in-charge by a commercial bank following bank rules and regulation
• Not easy to repay the loan
• Repayment can help other students
• Repayment is my obligation
• NHEFC can trace me to collect the loan
• I have to put an effort to make repayment
• Govemment should aim helping me to get a job with the good salaries, so I can pay back loan
• Loan repayment will affect my decision on the selection of the place to stay.
• Loan repayment will affect my decision on job options.
• Loan repayment will affect my decision on when to buy m6 first car
• Loan repayment will affect my decision on when to have my first child
• Loan repayment will affect my decision on buying a house
• Loan repayment will affect my decision on how much money I will contribute to my parents
• My parents advised me after I graduate to find any job to pay the loan first
• My parents advised me after I graduate to make regular payments to reduce the debt
• My parents advised me to save from the NHEFC loan whilst as a student, so that I can make payments immediately after I graduate
• My parents’ experiences with loan influence me to make repayment after I graduate
• My parents remind me of the importance of making loan repayment after I graduate
• My parents remind me to pay back loan after I graduate to avoid problems in the future
• My parents, as guarantors of this loan, remind me to pay back loan after graduating of avoid burden on them in the future
• My parents pay tax to government so I do not have to repay my educational loan
• My parents borrow loan from commercial bank to pay back my loan
• My parents’ huge debt affected me