Why The Need?                 

• Financial worries - Students beginning Tertiary Institutions are often overwhelmed by study commitments and financial worries, which lead to feeling of despair and hopelessness. Tertiary students feel under enormous pressure because of money worries and suffer from anxiety about going into debt to fund their education
• Insecurity about job prospects - Once students complete their degrees, they no longer have security about job prospects. The anxiety from this situation is  burdensome.
• The immediate problem of meeting living costs -. Financial and employment uncertainty are more prevalent today than in the past and the next two to three generations stand to be poorer than their parents.