“…Unexpected health problems, child or other family needs, economic difficulties, or a myriad of other circumstances can impact a student's ability to persist. These obstacles impose time, financial, or other hindrances that are often too difficult to overcome (Bundy, 2013;Hawley & Harris 2006;Miller et al, 2005;Walpole et al, 2014). Low-income students do not have emergency funds to offset unforeseen circumstances; thirty-nine percent of students reported being confident they could come up with $500 to support an unexpected need, while only 17% and 6% reported they could secure $1,000 and $2,000 respectively (CCCSE, 2017).…”