As to rapid development of higher education, a majority of higher-education students have been suffering the serious pressure of tuition and miscellaneous fee debt. Therefore, this research utilizes Factor Analysis (FA) approach to analyze the weight-questionnaire of random Taiwanese college students and furthermore, employ Technology Acceptance Model (TAM) and Analytical Network Process (ANP) model to verify interplays and correlations between online learning and Tuition and Miscellaneous Fee Debt (TMFD) through a series of assessed weight-measurements of higher-education students’ and experts’ questionnaires. As for the increment of research reliability and validity, Fuzzy Set Qualitative Comparative Analysis (fsQCA) method is significantly applied to approve the weight-measurement and evaluate-results. Consequently, the most valuable conclusion is that “online learning is able to passively decrease Tuition and Miscellaneous Fee Debt (TMFD) in higher education (PDTMFD)” that induces the best solution for research topic in order to re-supplies research gap in online learning relative research fields.