The Effects Of Financial Stress On Students Academic Performance
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Summary
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These studies suggest that financial stress negatively impacts students' academic performance, leading to lower grades, reduced course loads, and increased likelihood of dropping out.
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Introduction
Financial stress is a significant concern for students in higher education, potentially impacting their academic performance and overall well-being. This synthesis examines the relationship between financial stress and academic outcomes, drawing on multiple research studies to identify key insights and common themes.
Key Insights
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Negative Impact on Academic Performance and Persistence
- Financial stress is linked to lower academic engagement, reduced course loads, and increased dropout rates .
- Students experiencing financial difficulties are more likely to take longer to complete their degrees .
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Mediating Factors: Stress and Sense of Belonging
- Financial concerns negatively affect academic performance through increased stress and a reduced sense of belonging at university .
- Stress and belonging are significant mediators in the relationship between financial concerns and academic outcomes.
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Mental Health Implications
- Financial difficulties contribute to higher levels of anxiety and depression, which in turn negatively impact academic performance .
- Students with financial stress report higher psychological symptoms, which affect their academic and social integration.
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Perceived Stress and Academic Performance
- There is a significant negative correlation between perceived stress and academic performance, with higher stress levels leading to poorer academic outcomes .
- Major sources of stress include course load, sleep problems, and social activities.
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Demographic Variations
- Financial stress and its impact on academic performance vary by demographic factors such as race, gender, and first-generation status .
- Women and Students of Color report higher levels of financial stress, which may be due to inadequate financial resources.
Conclusion
Financial stress significantly impacts students' academic performance by reducing engagement, increasing dropout rates, and prolonging time to degree completion. This stress is mediated by increased anxiety, depression, and a diminished sense of belonging. Addressing financial stress through targeted interventions and support systems is crucial for improving academic outcomes and overall student well-being.
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