Furthermore, a study carried out by Abu Bakar et al. (2006) shows that students who obtained good results in their studies-such as cumulative grade point average (CGPA) above 3.0-read loan agreements than those who obtained poor results or a CGPA lower than 3.0. Moreover, those students who have obtained good results may also have the opportunity to get a better job with a higher income. Markedly, high income contributes to a better quality of life, which can subsequently affect career and life decisions for years to come (Lamkin, 2004; Fossey, 1998