Mar 26, · Financial barriers Money is a huge factor when it comes to adult learning. With bills to pay and mouths to feed, forking out for a class might seem like an unnecessary extravagance. A recent report by the Million Plus university group in the UK highlights just how much of a barrier this can be. Aug 31, · Dispositional barriers to adult learning are more intrinsic than the extrinsic situational barriers listed above. Dispositional barriers include low motivation; low self-esteem, embarrassment, and fear of failure. These barriers can be absolutely crippling and are the most problematic of all the barriers to adult learning.