FACTORS AFFECTING EDUCATIONAL LOAN DEPENDENCY IN ASEAN. Quantum Journal of Social Sciences and Humanities, [S. l.], v. 7, n. SI4, p. 93–101, 2026. DOI: 10.55197/qjssh.v7si4.1547. Disponível em: https://www.qjssh.com/index.php/qjssh/article/view/1547. Acesso em: 6 sep. 2026.