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13.3. Work-Study and Part-Time Jobs

Earning while learning can boost your budget without derailing your studies. Here’s how to use them:

• Federal Work-Study: 

  • What It Is: Part-time jobs (often on-campus) for students with financial need, funded via the FAFSA.

  • Pay: Minimum wage or higher—e.g., $10–$15/hour, up to $3,000/year.

  • Perks: Flexible hours, education-related roles (library aide, lab assistant). Money goes straight to you—not tuition.

  • How: Accept it in your aid package, then apply for jobs through your school’s work-study office.

• Part-Time Jobs: 

  • Options: Off-campus gigs—retail, tutoring, freelancing (e.g., graphic design on Fiverr).

  • Pay: Varies—$12–$20/hour; aim for 10–15 hours/week to balance school.

  • Perks: Builds skills and resume; some jobs (e.g., barista) offer tips or perks (free food).

  • Catch: No aid tie-in—manage taxes and time carefully.

• Balancing Act: 

  • Cap work at 15–20 hours/week—studies show more cuts grades.

  • Prioritize jobs near campus or remote to save time.

Tip: Use work-study first—it’s designed for students. Save part-time earnings for extras, not essentials.