This research explores the determinants of financial stress among undergraduates. Financial stress is defined as the degree of mental stress and anxiety caused by financial challenges. The research aims to identify key factors contributing to financial stress, including financial literacy, financial self-efficacy, peer influence, and social media engagement. The study employs a quantitative research design, utilizing a survey questionnaire to collect primary data from 374 respondents. The data is analyzed using multiple linear regression analysis to determine the relationship between the independent variables and financial stress. The findings reveal that financial self-efficacy is significant to financial stress among undergraduates. Higher levels of self-efficacy are associated with lower levels of financial stress. Peer influence and social media engagement also play a role, albeit to a lesser extent. The study highlights the importance of financial education and self-efficacy in mitigating financial stress among students. It also underscores the need for universities to provide resources and support to help students manage their finances effectively. The implications of this study are twofold. Firstly, it provides insights for policymakers and educators to develop targeted interventions aimed at improving financial literacy and self-efficacy among undergraduates. Secondly, it offers practical recommendations for students to enhance their financial well-being.