How Federal Work-Study can make college more affordable

INDIANA – The Federal Work-Study Program provides funds to low-income students that they never have to pay back. Around 3,400 schools participate in this program, hiring low-income undergraduates and graduate students for part-time work, which may take place on or off campus.

The program can help students pay for school and reduce potential student loan debt.

The Federal Work-Study Program offers an opportunity for you to earn money while gaining valuable job experience. Eligibility is determined by financial need as indicated on your FAFSA. You can make use of your award by applying to positions that accept your work-study award.

Once you have been hired and begin working, you will receive, which will be deducted from your work-study award.

Federal Work-Study Quick Facts:

  • It provides part-time employment while you are enrolled in school.
  • It’s available to undergraduate, graduate, and professional students with financial need.
  • It’s available to full-time or part-time students.
  • It’s administered by schools participating in the Federal Work-Study Program. Check with your school’s financial aid office to find out if your school participates.

What kinds of jobs are there?

The Federal Work-Study Program emphasizes employment in civic education and work related to your course of study whenever possible.

Are jobs on campus or off campus?

Both. If you work on campus, you’ll usually work for your school. If you work off campus, your employer will usually be a private nonprofit organization or a public agency, and the work performed must be in the public interest.

Some schools might have agreements with private for-profit employers for work-study jobs. These jobs must be relevant to your course of study (to the maximum extent possible). If you attend a proprietary school (i.e., a for-profit institution), there may be further restrictions on the types of jobs you can be assigned.

If you’re interested in getting a Federal Work-Study job while you’re enrolled in college or career school, make sure you apply for aid early. Funds are limited.

How much can I earn?

You’ll earn at least the current federal minimum wage. However, you may earn more depending on the type of work you do and the skills required for the position.

Your total work-study award depends on

  • When you apply,
  • Your level of financial need, and
  • Your school’s funding level.

How will I be paid?

How you’re paid depends partly on whether you’re an undergraduate or graduate student.

  • If you are an undergraduate student, you’re paid by the hour.
  • If you are a graduate or professional student, you’re paid by the hour or by salary, depending on the work you do.
  • Your school must pay you at least once a month.
  • Your school must pay you directly unless you request that the school send your payments directly to your bank account or use the money to pay for your education-related charges (e.g., tuition, fees, food, and housing).

Can I work as many hours as I want?

No. The amount you earn can’t exceed your total Federal Work-Study award. When assigning work hours, your employer or your school’s financial aid office will consider your class schedule and your academic progress.