<p>If you are an incoming freshman, I would highly advise holding off on jobs for awhile. Your #1 priority should be getting acquainted to college life: this actually qualifies as a job in itself. Pretty much all your social network in dorm life is cemented in the first few weeks of school, and being gone for work is a great way to be out of the loop. Get through your first set of mid-terms before you get a job, so you know your academic progress. Get a job by mid- to late-October, but you should periodically peruse the job listings at the work-study website to get an idea of the type of offerings so you have a good set of expectations when applying. </p>
<p>Remember that you have all year to earn your work-study amount. </p>
<p>Your pay goes directly to you; in fact, all my employers highly suggested (or even required) direct deposit (directly into your checking account). It usually takes about two weeks after your pay date for the money to go through. </p>
<p>Here’s an important lesson in work-study finance (well, financial aid in general). Look at your financial aid package. It consists of elements that amount to the campus’s cost of attendance, which consists of six categories: housing and utilities; food; books & supplies; personal, transportation, and tuition. Each financial aid offer varies considerably, but there are several rules of thumb. This is the one that applies to work-study: the money you earn is intended for you to make up the costs outside of tuition, and housing and utilities, meaning most often your work-study is structured to cover “personal” and “transportation.” </p>
<p>The reason why will become apparent shortly. </p>
<p>The majority of a student’s semester financial aid allotment (from loans or grants) will be released to the student at the beginning of the semester, meaning they will have sufficient money to last them for ANY costs for several months. (Dedicated grants and loans-- those that are only allowed for tuition purposes-- are received by the institution and withheld from students but kept on balance by the university towards tuition costs.) If you don’t do work-study, and your personal budgets equals that of the university’s cost of attendance, then you will have $0 to spend for the last month or two of the semester. But here’s the secret: NO ONE SPENDS THE UNIVERSITY COST OF ATTENDANCE ESTIMATES, ESPECIALLY FRESHMEN! Seriously, has anyone ever spent $1306 on “books and supplies” in a year? Freshmen live on campus, and with the Class Pass (free bus), almost no freshmen spend $614 for transportation. Because freshmen have meal plan, very few freshmen will spend $924 for food. And this doesn’t even include the $1336 for “personal” costs. In short, if you are wise with your spending and cut out unnecessary costs, you can get by even without $3000 in work-study earnings! And this is exactly what work-study is intended to do: the other part of your financial aid covers school-related matters, while work-study can be seen as income towards standard of living-- the more you work, the better off you’ll be financially, the less you work, the less so-- but it’s not essential, like with housing vs. being homeless, or fed vs. hunger. </p>
<p>Now here’s the logic: the school (financially, through the financial aid office) is only responsible for helping you to meet the needs of attending school, to those applicable. Federal work-study is not mandatory, they can’t make you work, the decision is entirely yours. Work-study cannot be made mandatory for a myriad of reasons. For example, wouldn’t that put students with a past criminal history at an unfair advantage because many wouldn’t be able to find good jobs as a student? So work-study is created to meet outside costs that are non-essential, you know, “personal” or “transportation” costs. And this also explains why your pay is not channeled through a medium (like the financial aid office) but directly to you: no need for a middleman when these costs are a burden to your own finance.</p>
<p>And yes, I clearly thought about work-study and financial aid A LOT while in college.</p>