Step 1: Split the factors into "inside the learner" and "outside the learner."
This makes the explanation easier to organise and remember.
Step 2: Inside the learner.
Motivation, natural intelligence, and physical/mental readiness (rest, health, mood) all shape how much attention and effort a person can give to learning.
Step 3: Outside the learner.
Teaching quality, a supportive environment, and repeated practice shape how well information from outside actually gets absorbed and kept.
Final Answer:
Learning depends jointly on internal readiness (motivation, ability, health) and external support (teaching, environment, practice).