“…The significant stress factors that have been identified are: increased levels of studyrelated stress, students' financial situations, family problems, the problems ensuing from combining study and work, and those related to making the transition from home to university (Calvete & Connor-Smith, 2006;Cassidy, 2004;De Hoog, & Schilp, 2012;Hall, Chipperfield, Perry, Ruthig, & Goetz, 2006;Hurst, Baranik, & Daniel, 2013;Jessop, Herberts, & Solomon, 2005;Orr, Gwosc, & Netz, 2011;Robotham, 2008;Robotham & Julian, 2006;Schmidt & Simons, 2013).…”