In the modern structure of formal education, financial resources manifest as an important necessity for acquiring the needed learning and training for their skill development. In this aspect, for a desiring individual, he or she must have the sufficient financial source to fund his or her formal education in the learning institution or facilities that he or she is involved with. This is necessary for paying up tuition fee bills, book, course materials, equipment for training, and others thus becoming a significant resource for formal education pursuit.
In the actual condition though, it is evident that though every individual in the society have the same educational and career development interest, their financial ability differ affected by their social condition and status. Significantly, not all desiring individual has the ability to pay for formal education thus, they seek other measures to help their pursuit such as part-time employment and loaning contract.