To meet college student needs for financial counseling, it is important to assess why they seek counseling and the extent to which differing financial situations are tied to financial stress. This study examined these issues with a sample of 554 college students who participated in financial counseling and found financial problems in various situations were each linked to increased financial stress. Financial stress was positively associated with having student loans and other forms of debt and was higher for female students and lower for those having investments. From a needs assessment perspective, it is apparent that college students may be able to benefit more from comprehensive financial counseling than from financial advising that is tailored primarily to a single issue. Keywords: college students, financial counseling, financial help-seeking, financial situation, financial stress

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