Finally, six (6) academic participated as validators: two (2) lecturers from Brunel University, one (1) lecturer from Universiti Utara Malaysia, one (1) lecturer from Universiti Tun Hussein Onn Malaysia, one (1) lecturer from Universiti Malaysia Kelantan and one (1) lecturer from Universiti Kuala Lumpur. The same procedure applied for these individuals in terms of assessing the items relevant to constructs, content, as well as wording clarity. An item generated from the qualitative study-‘Government should aim helping me to get a job with the good salaries, so I can pay back loan’-was also recommended for exclusion owing to the validators’ uncertainty concerning whether or not the item was conceptually logical enough to unite under one construct.