Nowadays, large numbers of students rely on financial aid and student loans to get through higher education. Many students’ disengagement and drop out of college and university because of financial problems. As an important factor affecting student engagement, the relationship between financial aid, student loan, perceived financial well-being and student engagement is lack of research in China. This conceptual paper proposes a study aims to investigate the relationship between financial aid, student loan, perceived financial well-being and student engagement, which is a quantitative cross-sectional study using survey methods, and all hypothesized relationships reflected in the study model will be tested and validated using Structural equation Modeling (PLS-SEM) techniques. This study will explore these research areas using survey data from a private university in Ningxia, China. This study expands the research on the impact of economic difficulties in students' input environment on student engagement, which can help university student managers and policy makers to formulate more reasonable input measures and incentive policies, and improve the efficiency of resource allocation. This study hypothesizes that financial aid, student loans, and perceived financial well-being are positively related to student engagement. The expected results show that all hypotheses are valid.
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