Which factors affect learning :

Concept

Educational psychology groups everything that shapes how well and how fast a person learns into three broad categories: personal factors (the learner's own intelligence, motivation, prior knowledge, attitude and health), environmental factors (the physical and learning surroundings — classroom conditions, home setting, availability of resources), and social factors (interaction with teachers, peers, family and the wider community/culture).

Application

The item lists exactly these three categories as separate options and offers a fourth option that combines them. Each of the three named categories is, on its own, a well-documented influence on learning — a learner's personal attributes affect how they process material, the environment they study in affects concentration and access to resources, and social interaction affects motivation, language development and shared understanding. None of the three excludes or overrides the other two.

Cross-check

Testing each factor category against real classroom evidence confirms all three are distinct categories of influence: two learners with identical personal attributes can still learn differently in different environments, and two learners in the same environment can still learn differently depending on their social interactions. Since dropping any one category would leave a real, documented influence unaccounted for, the option that names all three together is the one that fully and accurately answers the question.