Kavak, OsmanSakiz, Halis02.04. Department of Educational Sciences / Eğitim Bilimleri BölümüDepartment of Banking and Insurance / Bankacılık ve Sigortacılık Bölümü22. Vocational School of Savur / Savur Meslek Yüksekokulu02. Faculty of Letters / Edebiyat Fakültesi01. Mardin Artuklu University / Mardin Artuklu Üniversitesi2025-04-162025-04-1620251873-03881573-1782https://doi.org/10.1007/s10775-025-09732-8https://hdl.handle.net/20.500.12514/8468This study examined the relationships between financial aspects-scholarships, student loans, salary, and household income-and academic achievement of 931 refugee students enrolled in Turkish universities. Employing structural equation modeling, it explored the mediating roles of work motivation and financial literacy in the relationship between financial aspects and academic achievement. Findings revealed that scholarship and salary directly predicted academic achievement, the influence of student loan and household income varied, and work motivation and financial literacy mediated the relationships between financial aspects and academic achievement. Findings highlight the financial dynamics affecting refugee students, providing implications for policy and career guidance.en10.1007/s10775-025-09732-8info:eu-repo/semantics/closedAccessRefugee StudentsFinancial Aspects And ResourcesAcademic AchievementArticle2-s2.0-105001520925