This is the 19589th most frequent Korean word.
어렵습니다
"Difficult" or "challenging."
어렵습니다 is used here to describe the difficulty level of a specific problem.
이 문제는 정말 어렵습니다.
This problem is really difficult.
어렵습니다 expresses a personal challenge or difficulty regarding a subject, in this case, math.
저는 수학이 어렵습니다.
Math is difficult for me.
어렵습니다 is employed to denote a level of difficulty associated with an exam, albeit moderately.