MEENA RAMASWAMY, et al. “Digital Divide and Academic Phobia Engender Psychological Distress Among the Virtual Learners of Rural India’s Higher Educational Institutions During COVID-19”. Elementary Education Online, vol. 20, no. 5, Dec. 2023, pp. 1405-17, https://ilkogretim-online.org/index.php/pub/article/view/5169.