Croll says seeing action with Exeter is better for his development than U23 football at Palace.
He told the Croydon Advertiser: "People's livelihoods are on the line when you win in the Football League, and you see what it means to other team-mates – at that level in the position we're in, winning is so important.
"It's important at any level when you're going to changes lives if you do win.
"At the U21/U23 level, nothing is on the line so it's easier to fall into that mind frame that it's just another game.
"Whereas if you're playing in a league where you can get promoted or you can get relegated, it's that competitive edge that you need – and you need to learn it quickly."