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This study examined how literacy skills, educational attainment, and nativity status (foreign-born vs. U.S. born) are associated with motivation to learn (MtL). Nationally representative data (N = 3,151) of adults between the ages of 40 and 65 years were obtained from the 2012/2014 Program for International Assessment of Adult Competencies (PIAAC). Structural equation models showed that higher literacy skills (0-500 points) (b = 0.01, p < 0.05) and post-secondary educational attainment (b = 0.17, p < 0.05) were associated with greater MtL. Additionally, foreign-born individuals tended to have (b = -0.15, p < 0.05) lower MtL than U.S.-born individuals. Limited literacy skills, educational attainment, and being an immigrant are potential barriers to motivation towards life-long learning participation among middle-aged adults.