VAN DT. FACTORS INFLUENCING PSYCHOLOGICAL DIFFICULTIES IN CREDIT-BASED LEARNING AMONG UNIVERSITY STUDENTS IN HANOI, VIETNAM: A CASE STUDY AT HANOI LAW UNIVERSITY. TPM [Internet]. 2025 Oct. 10 [cited 2025 Dec. 3];32(S7 (2025): Posted 10 October):1263-71. Available from: https://tpmap.org/submission/index.php/tpm/article/view/2337