Learners who are having trouble making ends meet are more prone to struggle with psychological disorders like depression and anxiety which may have a severe influence on their academic performance and potentially even their mental health. As a result, university officials and educators, as well as businesses operating in the job market, need to be concerned about the plight of learners who are having trouble making ends meet while they are enrolled in higher education. There is a substantial correlation between being in a tough financial situation and having an incidence of depression as well as other mental health problems connected to this. The intention of this survey was to investigate the impact that monetary challenges have on the mental health of adolescent learners attending a tertiary institution in Ghana. Specific aspects of mental health that were investigated included autonomy, feelings of competence, subjective expansion, peaceful coexistence with others, a purpose in life, and selfacceptance. The findings of this study will be used to make the world a slightly better place. Therefore, using a cross-sectional correlational design and a Spearman correlation, a sample of 564 people were chosen at random from a population of 3, 282. This included 164 people at level 100, 161 people at level 200, 145 people at level 300, and 156 people at level 400. Per the outcome of the research, a person's mental health may have an effect on their level of financial difficulties, despite the fact that females had less financial hardship than their male counterparts. In light of this, the university administration and the counselling centre may wish to implement a number of academic and skills development programmes on various aspects of finances, particularly skills related to financial planning, in order to raise learners' consciousness of the potential for monetary strain.

Keywords : Financial difficulty, Mental Health, Autonomy, Environmental Mastery, Purpose in life, Self-acceptance.