For the causes and conditions of debt it has been found that, 68.5% of the government teachers started to get indebted since they’d entered government official life. The causes of debts are the three followings respectively; (1) to buy or pay by installment for cars or motorcycles, (2) routine living expenses, and (3) to buy or build their dwellings. Most of the debt is loaned by the three following respectively; (1) teacher saving banks, (2) government banks, and (3) the Teachers’ Council welfares. The burdens of debt are mostly between 100,000 – 1,000,000 baht, the repayment periods are between 16 – 20 years, and the outstanding payment can be calculated into 31%.