This financial process of eliminating the relatively poor during their first few years of schooling is often compounded by the sub tuition charged at the secondary level. Despite the recent rapid proliferation of private schools for non elites in South Asia and other developing regions, their quality is generally not high, and their teacher qualifications are often lower than those in the public schools. In many case, parents do not appear to be getting what they think they are paying for. The cost of quality education therefore becomes prohibitive to lower-income education. Child labor can be understood as a substitute for a loan as a way to bring money to the family now at later cost ----- a very high cost in the case of child labor. This in effect amounts to a system of educational advancement and selection based not on any criteria of merit but strictly on family income levels. It thus perpetuates concentration of income within certain population groups and means that earned income will accrue primarily to people who already possess the bulk of unearned income and wealth-those distribution scale place them the upper decile of the personal income whose assets