Financial stress is also a major burden on students’ health and wellbeing, as the academic term employs the expenditure of one's financial resources “without guarantees of a satisfactory return."[1] In a 2019 report by The College Board on "Trends in College Pricing," the average tuition for full-time students attending a four-year-long post-secondary institution in the 2019–2020 academic year was about $12,700.[23] With the costs of post-secondary education growing significantly over the last decade, many students are choosing to take out student loans to support their education.[24] As a significant source of stress, student debt and financial instability have been linked to poorer general health outcomes and higher rates of depressive symptoms in young adults.[25] Personal debt has also been associated with increased drug and alcohol use.[25]