Anxieties of not really knowing what the professor expects, how the test will be designed, studying the right material, and unnecessary worry are the contributing factors. Disenchantment with school low reward level because students begin to realize that life at college is not as perfect as they were led to believe by parents, teachers, and counselors.
Old problems seem to continue, and new ones are added.
An external reality they had put their hopes in has failed them. Adjusting to new study habits includes not just being able to study the way they did last year or in high school. More time and greater workload need to be incorporated into their schedule for studying. Dating anxieties result from not being asked out, or not being successful in finding a date. Job Panic for mid-year graduates start with the onset of resume preparation, and off and on campus interviewing.