College students are exposed to stress accumulating from daily challenges, personal relationships, financial struggles, and academic pressure. Stressors can challenge an individual to perform better or serve as a hindrance to academic achievement, depending on the individual’s perception of stressors and capacity to overcome them (Lepine et al., 2004). Optimal levels of stress are beneficial to managing responsibilities in a timely manner, while unmanageable levels of stress can negatively impact motivation and achievement. Higher levels of negatively perceived stress could have measurable consequences on academic outcomes, including lower motivation and lower achievement. This study focuses on examining the prospective relationship between levels of college stress and the academic outcomes, accounting for individual differences in vulnerability to stress. Specifically, I examined whether the associations between stress (T2) and academic outcomes (T3) were moderated by earlier (T1) levels of economic hardship and effortful control as risk and resilience factors, respectively. I predicted that higher levels of college stress would be associated with lower academic motivation and performance. I expected that higher effortful control would show a stronger association between higher academic motivation and achievement with lower college stress levels. I also predicted that higher levels of familial economic hardship would exacerbate the influence of college stress on lower academic motivation and achievement. This study utilized data collected from survey measures administered to students during the transition from high school to college. Results demonstrated a significant negative association between increased college stress and higher academic outcomes. A lack of significant interactions propose that economic hardship does not have negative effects on academic outcomes. The findings of this study will help universities to support students experiencing detrimental levels of stress to improve later academic outcomes.