Employment is another resource to help cover the costs of college. Students can find employment on or off campus. Students with financial need may qualify for the Federal Work-Study program. In 2006-2007, over $1.175 billion was used from Federal Work-Study to help almost 880,000 postsecondary students finance their education expenses (The College Board, 2007). In addition to added income, there are many other benefits to Work-Study jobs:

• The income earned from the Federal Work-Study program is excluded as a resource when determining your Expected Family Contribution in future years.
• Work hours are flexible so your job fits easily into your schedule of classes.
• Work-Study jobs can include community service activities.
• Work-Study jobs may allow you to learn specific skills that can relate to your long-term job interests.
• Working on-campus gives you the opportunity to develop relationships with school administrators.
• You can develop valuable job skills and experience.

Employment that is not Federal Work-Study can also be used as a resource. Students who wish to work off campus should contact their school's career center or employment office. Sometimes these offices can help direct you to jobs that may relate to your area of interest. If you haven't decided on a major, working in different fields may help you choose which career path you want to pursue.

Some students worry that having a job during the school year will negatively affect their grades. According to a study in 1998 by the U.S. Department of Education, more than 95% of Work-Study students were satisfied with the program. Better yet, these students felt that their jobs contributed positively to their academic performance and helped them gain study and organizational skills.

It's important to find a balance between work and study. It is generally recommended that you limit your work schedule to no more than 20 hours per week if you attend school full-time. Work-Study jobs typically limit the number of hours students can work, but students who work off campus should use caution when planning their work schedules.