Abstract
Financial stress is a growing concern in higher education, often linked to rising tuition costs and increasing individual financial responsibility. This descriptive correlational study examined the relationship between financial stress and student motivation among 111 college students in Bulacan, utilizing adopted survey instruments and Spearman’s Rank-Order Correlation. The findings revealed that overall financial stress was moderate, manifesting most prominently in affective domains such as anxiety and fear. Student motivation was generally high, primarily driven by strong extrinsic, grade-oriented factors, particularly improving GPA and demonstrating ability to family and employers. The core finding showed a weak but statistically significant positive relationship between financial stress and student motivation. This suggests that financial pressure may serve as a "pressure-to-perform" motivator, slightly increasing academic striving among students focused on extrinsic rewards, such as grades and scholarships. Although not a critical threat to academic standing in this sample, it highlights the need for institutional support that balances financial aid with strategies to foster self-efficacy and mastery-oriented learning, thereby mitigating the risk of burnout associated with purely extrinsic motivation.
