This study conducted interviews with 42 undergraduates with financial difficulties in colleges and universities, and analyzed the interview texts. It is concluded that the current psychological needs of financially difficult students are mainly self-improvement needs, interpersonal communication needs and family emotional needs, while poor students are trapped in Psychological dilemma is because one or more of the above needs cannot be met at the same time. In addition, another possible reason for the psychological dilemma is high family expectations and insufficient support. Based on the above needs and reasons, the research puts forward psychological assistance countermeasures and suggestions for these four needs.