“…In addition, some factors, such as academic overload, time management, available materials, and financial problems, may be a major impediment to potential students' ability to study effectively (Joyce et al, 2017). Admission fees show a significant difference, with a business degree costing 6.8 times more in private institutions than in public, and engineering and law degrees costing 7 and 9.2 times more in private institutions, respectively (Cheong and Narayanan, 2020).…”