Therefore, our study has established that students have positive motivational factors to make payments
following graduation. ฺFor example, students state that, 'I will make repayment because it is
my priority' or 'I will find any job after I graduate to pay back student loan'. Essentially,
there were numerous ways through which students showed their intention to make
payments after graduating, such as because of religious beliefs and cultural norms, which
state that debt must be repaid. Moreover, students also want to reduce debt and future debt,
and thereby avoid any and all burdens on their parents in the future.