Hlumelo's financial stress can be reduced by researching suitable funding options. This can lead to better options with lower interest rates, favorable repayment terms, or higher funding amounts. By understanding these options, Hlumelo can make informed decisions that align with his financial goals, reducing stress. Additionally, improving financial literacy through research can empower him to make more informed decisions about funding options. Understanding the terms, conditions, and implications of different funding options can help him manage his finances more effectively, reducing financial stress over time. Thus, by researching suitable funding options, Hlumelo can reduce his financial stress.