as a URM...let me put it like this...
High school didn't prepare me well enough for university level studies...
I worked full time + to not only nudge a bit of interest on ma school loans, but to pay everything else i needed (boarding/food/watever u can thing of besides tuition).
So this compounds the fact that my biggest worry was my GPA, but anything extra would mean not working and therefore not manageable.
I have to truthfully self study material i practically struggled with from the get go (this can be true for both ORM and URM, but u get the jist).
Lets not talk about the struggle back home ( my parents weren't facing problems of how their stocks/funds are fluctuating, but pretty much the same dilemmas i was facing compounded***money-wise**).
bottom line: it is just tough dude...