as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
list 3 problems that students currently face.
user
1. difficulty in understanding the curriculum and material. 
2. difficulty in managing time wisely and efficiently. 
3. reduced motivation and focus in academics.
assistant