Kessy, Hyasinta. “The Implications of Cognitive Dissonance and Financial Stress on University Students’ Learning Effectiveness in Dar Es Salaam: -”. THE DarTU JOURNAL OF HUMANITIES AND EDUCATION 2, no. 1 (December 31, 2025). Accessed May 17, 2026. http://ejournal.dartu.ac.tz/index.php/ojs-files/article/view/33.