How do you explain for bad grades in supplemental essay/interviews?

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How would you explain for poor academic performance during one of your undergraduate semesters?

Should you place the blame on yourself (for example poor study habits) or outside environmental factors? (such as being first-gen or struggle with finance)
 
How would you explain for poor academic performance during one of your undergraduate semesters?

Should you place the blame on yourself (for example poor study habits) or outside environmental factors? (such as being first-gen or struggle with finance)
tell the truth...