~ STEP 2: Use outside sources. If you need additional inspiration, look for a list of suggested essay topics. Choose several options that you like. STEP 3: Select a topic. Once you have your list, another reason for stress is the financial pressure a person may feel when trying to get ahead in school. Learning to budget your money is one of the most realistic lessons of attending college. This is another way for a student to feel vulnerable. Financial pressure is the main reason why students drop out of school.