<p>My son didn’t do work study this year as a freshman and won’t be doing it next year as a sophomore. I wanted him to focus on his school work and he has really done great so far and has time to socialize. This summer though he has already been accepted for a paid internship ($3500) - so he’ll pocket that money for some of next years expenses. </p>
<p>From reading through the boards over the last year, it looks like schools that meet full need will expect the family to pay their EFC, the student to take out a stafford and possibly Perkins Loan, and then also do work study. And some of those schools push that limit to make the stafford $5500 instead of $3500 and a big Perkins loan and up to $3000 or more in work study. So even if your EFC is about 10,000. You could be looking at that $10,000 and another $10,000 in student loans and work study.</p>