60 SOCIAL SCIENTIST spent 20 per cent of their income, and another42 per cent spent 10 per cent of their total income on children's education. The second main purpose for which loans were taken was medical expenses. A quarter of the total married teachers borrowed money to marry off their daughters. Only 7.2 per cent of unmarried teachers sought loans for the marriage of relatives. Social and religious commitments accounted for only 3.24 per cent of the debts. From the above analysis it is clear that secondary school teachers suffer from acute socio-economic disabilities8, finding it hard to make both ends meet. The variations in their income is mainly due to lack of uniformity in the salary structure depending on management, state and region. Earnings other than salaries constitute a minor part of their total income. The pay scales are outmoded and inadequate. A good number of teachers are in debt, mostly incurred after entering the profession. (The author wishes to express his gratitude to Professor R G Mishra of the Educational Survey Unit, National Council of Educational Research and Training, for making available the data used in this note). P MOHANAN PILLAI 1 Report of the Education Commission, Ministry of Education, Government of India. a Second All India Educational Survey, NCERT, New Delhi 1967. 8 Intensive Study of Blocks, Educational Survey Unit, NCERT, New Delhi. 4 Secondary School Teachers, Educational Survey Unit, NCERT. 0 Second All India Educational Survey, op. at. e John Vaizcy, Economics of Education, p 33. 7 Report of the Education Commission, op. cit. 8 Sec tear Book of Education, Evans Brothers, London.