Many Americans cite money as a leading source of stress. Which of the following most effectively explains why first-generation college students are particularly vulnerable to financial stress?

• A. Because they often provide family financial support while lacking sufficient emergency savings.
• B. Because they frequently lack parental college experience and misunderstand financial aid processes. 
• C. Because they work excessive hours to cover costs which undermines academic success. 
• D. Because they experience stigma that reduces help-seeking and limits access to supports.

Answer: (B)