I have also experienced this. When I try to study hard but when I think I am getting to achieve a good grades, then I remembered that I have a problem financially. Thanks I remember that I do not yet have scholarships, do not yet have summer job and other source of money. But doesn't stop me, I try to find the motivation to study harder by looking at the first scene that I came from. I think that will give you the motivation. Because you will decide that it is hard to stop when you are near on the goal.