This Narrative Analysis examines the complex connection between financial literacy and the experiences of first-generation low-income students attending a public Historically Black College and University (HBCU). Given the rising expenses associated with higher education, students who are the first in their families to pursue postsecondary education and come from economically disadvantaged households face distinct difficulties when managing financial problems. This study utilizes a narrative perspective to capture the complex stories of these individuals, examining how their levels of financial literacy impact their academic paths, financial choices, and overall welfare. Based on in-depth interviews, this analysis explores the relationship between financial literacy and the life experiences of first-generation low-income students at a public Historically Black College or University (HBCU). Several themes emerge about the development and application of financial knowledge, the influence of socioeconomic backgrounds on financial decision-making, and the role of institutional support in fostering financial competence among students. Moreover, the study investigates the impact of cultural characteristics, familial influences, and institutional contexts on students' opinions and behaviors related to financial management. The results highlight the significance of tailored financial education programs designed explicitly for Historically Black Colleges and Universities (HBCUs), considering the various needs and backgrounds of first-generation low-income students. This analysis provides invaluable information for policymakers, educators, and administrators to develop specific strategies that develop financial literacy skills, promote financial well-being, and ultimately support the academic success and overall development of marginalized learners pursuing higher education. [The dissertation citations contained here are published with the permission of ProQuest LLC. Further reproduction is prohibited without permission. Copies of dissertations may be obtained by Telephone (800) 1-800-521-0600. Web page: http://bibliotheek.ehb.be:2222/en-US/products/dissertations/individuals.shtml.]