Damolo, E. F., Bagcatin, B., Simbajon, K., Pastera, M.-C., Hinautan, M. J., Olavides, L. J., & Carnice, N. (2026). Stories Behind the Paycheck: A Phenomenological Study of Teachers’ Financial Struggles Due to Loan Dependency. Journal of Interdisciplinary Perspectives, 4(3), 216–222. https://doi.org/10.69569/jip.2026.008