This paper examines the reasons student have poor financial management, spending on non-necessary things or overspend and living away from their family are the causes of financial problems among college students. “The number of students feeling financial stress is striking,” said McDaniel, who is associate director of research and data management at The Ohio State University’s Center for the Study of Student … However, they struggle more with reporting broader The final section is conclusions and They can’t take it slightly about this problems. If a room meant for two students ends up housing 8-10 students at night, the discomfort will certainly have chain effect. First of all, poor financial management is the main cause students are facing financial problem. Valentina Lee, Assistant Professor of Psychology at FIU, studies stress and its effects. Financial problems resulting from poor personal financial management is known to affect individual productivity at the workplace. On the same breadth, Bua and Adzongo (2014) noted that poor state of schools in Benue State in Nigeria was as a result of financial management issues such as the inability to generate revenue internally and misuse of available resources. The paper covers 5 sections. Garman et al (1996) found that employees in the Financial Stress: An Everyday Reality for College Students Over the last academic year, the media has dedicated a great deal of column inches and broadcast minutes to the impact of student loan indebtedness on recent college graduates. Poor accommodation is also a factor affecting the students‘ reading culture. Section 4 indicates results and discussion. In fact, 32 percent of students reported neglecting their studies at least sometimes because of the money they owed. Section 3 shows methodology. (2011) found that, contrary to expectation, students are able to report figures such as their own credit card balances. financial clerks among others are factors that fuel poor management of funds in institutions in Nigeria. For example, they should know that if they create a low credit score, they will pay more for mortgages, auto loans, etc., may be prevented from getting an apartment, and, in some cases, even getting a job. Many students take only a meal per day and this affects their general performance as they lack energy to read. This was a descriptive quantitative study aimed at determining the effect of financial education on personal financial management practices. The study connects poverty to low cognitive ability and concludes that financial stress affects a poor individual’s IQ more than a well-off individual’s. Section 2 is a review of related literature. Lee refers … Based on the conclusion of financial problem among student are they have many problem by the student. Financial awareness, as a side effect of financial literacy, is another important factor that reflects college students’ financial circumstances. Here are 5 effects of poor financial management: Debt; Debt is a big problem in the United States. relationship among financial knowledge, financial attitudes, and locus of control in explaining personal financial management behavior among the youth in Vietnam. Students should understand that their credit management habits will affect their credit score - which will affect their future financial life. By having a good management skill on expenses behavior, can help customers control their budgeting. Research by Brougham et al. students also must take an example of other effected students who had gone threw money problem as a lesson. 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