Understanding Financial Challenges Faced by State University Students as Evidenced by Monthly Spending Habits 
2025 · SSRN Electronic Journal · 0 citations
https://doi.org/10.2139/ssrn.5686082
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Junry Valmorida is an academic researcher from Bukidnon State University. The author has contributed to research in topics: Financial Literacy, Pension, Retirement Analysis & Innovations in Educational Methods & Optimism, Hope, and Well-being.
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