Mobaraka Mohammadi says she works 12 hours a day just to make ends meet and pay off her mortgage.
Ms Mohammadi, 23, from northern Adelaide, told the ABC she might have to stop university to pick up more hours if her mortgage repayments and living costs increased further.
"I was actually trying to cut a few of my hours so I can concentrate on my study but … if I cut any hours, I'm not going to be able to pay my mortgage," she said.