Abstract: This study investigated the relationship between male and female student problems and academic performance. It also examined the relationship between students problems and academic performance among rural and urban students. A descriptive research design was adopted for the study, a total of 300 JSS 3 students in 6 schools from Akure north and akure south local government areas were used as sample. The instrument used was a standardized self report inventory called Student Problem Inventory (SPI). The validity and reliability of the instrument were already established by the maker. However, the test-retest reliability obtained by the researcher was 0.77. The statistical techniques used to analyse the data generated was pearson product moment correlation. The results of the analysis showed that there was a significant negative relationship between student problems and academic performance among male, female, rural and urban students. Based on the findings, it was recommended that counsellors, parents and teachers should help the students to deal with their problems and teach problem solving skills, also parents should adopt good child rearing techniques.