This study investigates the interplay among adversity encounters, academic resilience, and grit in relation to the academic performance of third-year college students at Talisay City College. A descriptive-correlational research design was utilized. Data were collected from 961 respondents using standardized instruments: the Adversity Quotient Profile® 9.1, the Academic Resilience Scale (ARS-30), and the Grit Scale–12 Items. Demographic information, including age, gender, field of study, General Weighted Average (GWA), and household monthly income, was also gathered. Results show that the majority of respondents (70%) were aged 18–22, with females comprising 64% of the sample. Most students (88%) achieved a GWA between 1.4 and 1.9, indicating high academic performance. Financial setbacks were identified as the most prominent adversity (M = 3.22), with respondents demonstrating resilience by viewing challenges as motivation (M = 3.44) and valuing hard work (M = 2.96). Correlational analysis revealed a significant positive relationship among adversity encounters, academic resilience, and grit. Specifically, higher adversity encounter scores were positively associated with greater academic resilience and grit, both of which correlated with improved academic performance. The study concludes that students’ ability to reframe adversity as a source of motivation fosters academic resilience, which, when combined with grit and hard work, enhances academic achievement. The study recommends implementing guidance and resilience-building programs that increase teacher awareness of student struggles, empower guidance counselors, and engage the community to support students facing adversity. Future research should explore a broader population and consider implementing the Financial Imposition through Literacy Education (F.I.L.E.) program to address students’ financial challenges.