Singmart, Sanook, Perawut Chaisuk, and Thongdee Dritragran. 2026. “Teachers’ Debt: An Obstacle to the Efficiency of Thai Education: Teachers’ Debt: An Obstacle to the Efficiency of Thai Education”. RATANABUTH JOURNAL 8 (1). Yasothon, Thailand:641-51. https://so07.tci-thaijo.org/index.php/rtnb/article/view/10457.