“…It is important to point out that mature age, however, is not a recognised category of disadvantage, even though the lives and responsibilities of these students are often more complex than those of their younger peers (Leder & Forgasz, 2004). Since 1993, many studies on student retention have identified that financial issues and concerns are a major influence on the retention of tertiary students (Bidgood, Saebi, & May, 2006;Blanchard & Mascetti, 2000;Bonham & Luckie, 1993;Bradburn, 2002;Elliott, 1997;Glogowska, Young, & Lockyer, 2007;Glossop, 2002;Hoyt, 1999;Johnston, 1997;Lee, 1996;Long et al, 2006;Scoggin & Styron, 2006;Wilcox, Winn, & Fyvie-Gauld, 2005;Yorke, 2000). These studies pointed out that financial issues are detrimental to students' progress at university and that the outcome of financial problems for students is often university withdrawal.…”