institution(s) – n. an established organization

degree – n. an official document and title that is given to someone who has successfully completed a series of classes at a college or university

global – adj. involving the entire world

relief – n. the removal or reducing of something that is painful or unpleasant

negative – adj. harmful or bad

credit – n. a record of how well you have paid your bills in the past

beyond – prep. more than something

stress(es) – n. something that causes strong feelings of worry or anxiety

burden – n. someone or something that is very difficult to accept, do, or deal with

inclined – adj. used with verbs like agree, think, believe or suppose to express a thought or opinion that is not strong or certain

reckless – adj. not showing proper concern about the possible bad results of your actions