Currently, there are ten million U.S. adults diagnosed with Attention-Deficit Hyperactivity Disorder (ADHD). The increasing prevalence of ADHD among students in higher education coincides with rising concerns about the impact of student loan debt. The primary objective of this phenomenological study was to explore, through scarcity theory lens, the cognitive and affective challenges faced by individuals experiencing ADHD in managing their student loans._x000D_ We analyzed user posts from from an online community of two million members r/ADHD (Reddit), where individuals experiencing ADHD shared their experiences related to student loan debt. Thematic analysis was employed to identify key themes surrounding scarcity. _x000D_ Our findings demonstrated various forms of cognitive and affective scarcities faced by individuals experiencing ADHD, including financial pressures, difficulties in effective budgeting, and a lack of adequate support systems. Users reported feelings of stress and anxiety due to the complexities of managing their student loans. Despite challenges, many users demonstrated resilience and adaptability, developing coping strategies that included seeking alternative financial planning resources and support. _x000D_ This study highlights an urgent need for targeted interventions that integrate financial knowledge, debt literacy, and mental health support to help improve the well-being of individuals facing this coexisting issue of student-debt burden and ADHD.
