FINANCIAL CONSTRAINTS AND ITS RELATIONSHIP WITH ACADEMIC ACHIEVEMENT AT UNIVERSITY LEVEL

Abstract

This study examined how monetary restrictions affect university students’ academic performance, including their ability to manage their academic expenses. The study perused to find any connection between financial troubles and academic ruptures, and the coping mechanisms of students. Data were  collected using a questionnaire and statistically analyzed (N = 200) from the students of The Islamia University of Bahawalpur. In contrast to widespread assumptions, the results indicate that financial problems, rather than simply blocking academic success, can in some cases spur students to do better. Finding gender and locality-based discrepancies, but where male and rural students found their studies and personal budgets to be a much bigger financial burden. Such coping  strategies were distinguished by female students showing greater reliance on them, suggesting that they are more flexible in coping with financial pressure. Despite their resilience, prolonged financial stress can have adverse psychological and emotional consequences, potentially affecting academic persistence. This study underscores the importance of institutional financial aid programs, financial literacy training, and support mechanisms to alleviate students’ economic challenges. Future research should explore the long-term financial impact on students' post-graduation career stability and economic mobility.