They commented on one (1) item-‘the loan agreement needs to use language that is more easily understood’-that that there was a lack of clarity, and suggested accordingly that the sentence should be improved in term of English. Consequently, the phrase was revised to read ‘the loan agreement needs to use a more easily understood language’. Similarly, the phrase ‘I hear the latest information about loan which is broadcast on the radio’ was evaluated as being unclear. The item was rephrased to ‘I have listened to the latest information about loan broadcast on radio’. Furthermore, the phrase ‘I have read of latest information about NHEFC loan repayment in the newspapers’ was changed to ‘I am aware of latest information about NHEFC loan repayment in the newspapers’. In-line with recommendations from academics. The corresponding items deleted and revised during content validation are presented in Table 5.8.