Penrattanahiran, Rattanawat. 2024. “Adjustment and Financial Literacy of First-year Students living on Campusss Housing, Faculty of Education Chiang Mai Rajabhat University”. Journal of Multidisciplinary Academic Research and Development (JMARD) 6 (2). Bangkok, Thailand:68-89. https://he02.tci-thaijo.org/index.php/JMARD/article/view/263709.