University dropout rates in private universities in Metropolitan Lima currently reach 14% (Ministerio de Educación [Minedu], 2023a), which translates into approximately 69,000 students who abandon their studies annually, which impacts individual academic development, and therefore, economic and social impacts at the national level. The lack of financial resources to cover academic expenses is a main cause of this dropout, which limits the development of human capital and, consequently, the capacities of graduates to effectively contribute to the country's economic growth. According to the Organization for Economic Cooperation and Development (OECD 2023), each additional year of education can increase income by 8-10%, which highlights the potential loss in gross domestic product (GDP) associated with a dropout rate of 14%. From a social perspective, dropout particularly affects 68.9% of ...