gender significantly moderates the effect of financial attitude, financial

socialization and secondary socialization agents on financial problems among

students.

students more likely to experience financial stress include freshmen, those with
low perceived mastery and net worth, and those with median student loan debt as
compared to those with no student loan debt. Results of t-test analyses suggest that
financial counseling had positive effects on subjective financial knowledge and financial
attitudes and mixed effects on financial behaviors.( Sonya L. et al, 2015)
https://connect.springerpub.com/content/sgrjfcp/26/2/172.abstract

Financial play an important role in students’ academic performance. Financial

problems are a serious issue that needs to be addressed as it leads to multiple stages of
problems such as health issues and academic performance. Education is a high-cost
social service therefore insufficient financial support will be a problem for students to
enhance themselves in academics thus leading to poor academic performance. This
paper aims to identify the relationship between financial problems and academic
performance faced by public university students in Malaysia. Self-administered
surveys were used to gather data from a total of 120 respondents among public
university students. Data collected were analysed using SPSS in order to obtain
descriptive statistics. From the results, it is ascertained that there is a significant
relationship between financial problems and academic performance of p = 0.014 < a
0.05 indicating that the students with financial problems affect their academic
performance.(Norazlan, 2020)
https://journal.uptm.edu.my/index.php/ajpbs/article/view/52

The impact of financial management reaches all age groups, from children being
supported by their parents’ income to senior citizens living with the repercussions of
their retirement planning decisions (or lack thereof). College-aged students are a
demographic with a unique set of circumstances that make focused studies on this
group meaningful. For many, young adulthood is the time where lifelong habits and
behaviors are formed. Routines and preferences are established, and decisions are
made that will affect the path in life that each person will take. College students,
specifically, are in a time of significant transition.(Widener, 2017)
https://firescholars.seu.edu/cgi/viewcontent.cgi?article=1063&context=honors

An analysis of College students’ subjective well-being (SWB) and persistence

behavior was conducted with an emphasis on financial stress and individuals’
perceptions of financial situation, controlling for a number of health, financial, and
demographic factors. Data were taken from a sample of 324 undergraduate students
from a major Midwestern university. Results indicated that students experiencing
higher reported financial stress scored lower on a measure of SWB, and were also
significantly more likely to report difficulty maintaining enrollment or number of
academic hours enrolled. Individuals’ financial self-efficacy was positively associated
with SWB and negatively associated with reductions in enrolled hours, though was
not significant as a predictor of student persistence attitudes. Implications for student
well-being and healthy campus initiatives are discussed.(Robb, 2014)
https://link.springer.com/article/10.1007/s10834-017-9527-6