As part of the continuing efforts to contribute to the literature and studies in promoting mental health and counselling, this study explores the factors affecting the mental health of tertiary students. With 978 respondents across different age groups, year levels, and socioeconomic backgrounds, the study investigates the impact of academic stress, financial concerns, social relationships, and access to mental health services on student well-being. Utilizing a quantitative approach, survey data were collected on students’ perceptions of their general well-being, financial stability, academic pressure, and experiences with the campus’ guidance and counseling services. The results show that academic stress, financial difficulties, and inadequate social support significantly contribute to mental health challenges, with 41.4% of respondents agreeing they often feel overwhelmed by academic workload, and 37.7% expressing concern over financial stability. Additionally, access to mental health services was identified as a critical factor, with 55.1% of students aware of guidance services, though a significant portion still hesitates to seek help due to stigma. The findings highlight the need for enhanced awareness of students to counseling services, targeted financial aid programs, and strategies to reduce academic pressure. The study revealed the importance of a holistic approach to student mental health, integrating academic, financial, and social support systems. This research contributes to the growing body of knowledge on student mental health in the perspective of higher education institutions in the Philippines. Furthermore, based from the findings of the study, recommendations include improving campus mental health services; financial support systems to address these pressing issues; Stress management programs that aimed to teach coping strategies among students to deal with academic and financial stress and lastly, collaboration with faculty to provide supportive learning environments that reduce unnecessary academic pressure.