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Home » Education Articles » Getting A Jump Start On Workstudy Opportunities Can Pay Off

Getting a Jump Start on Work-Study Opportunities Can Pay Off

Since some colleges start posting available work-study positions as early as the summer, students looking for first dibs on campus jobs in the fall can get a leg up on their competition by hammering out that perfect résumé and cover letter now. According to NextStudent, a leading Phoenix-based education funding company, work-study programs can be a great option for students who need a little help meeting their college expenses.

The Federal Work-Study Program makes part-time jobs available for both undergraduate and graduate students with qualifying financial need. A work-study job allows students to earn a paycheck while usually still giving them enough flexibility to navigate their class schedule. Students might work on campus or off, honing in on a career in a job related to your major, or testing out a new career path by stepping into a position completely different from anything they've done before. Work-study jobs are required to pay at least the current federal minimum wage, but students might earn more, depending on the type of work they choose and the skills they bring to the table.

The Advantages of Work-Study

§ Flexibility. Work-study jobs are often much more flexible than other part-time work. Where students in non–work-study jobs might run into long work days or overtime that can compete with school, work-study employers tend to be more accommodating, offering less rigid hours, especially around midterms and finals. And to help keep work-study from interfering with classes, schools will typically cap an undergraduate student's work week at 20 hours.

§ Convenience. Students who snag a work-study job on-campus pretty much have it made. They save on gas money, they can take a ten-minute walk to work straight out of class or out of bed, and they can make plans to meet their friends back at the dorm another ten-minute walk after their shift ends.

§ Variety. Since work-study can take place either on- or off-campus, students have a wealth of options available to them. Work-study positions can range from research assistants to elementary school tutors to art gallery docents. Some financial aid counselors and work-study employers will encourage students to apply for those opportunities related to their major or to their field of interest And if students can't find a work-study position they like, they can always go to a campus department to discuss creating a new position that fits their skill set.

§ Experience. Work-study allows students to start building their work history while still in school, and can help put them a couple steps ahead of those students who chose not to work. When the post-graduation job-hunting starts, prospective employers may look more favorably on graduates who were able to balance the demands of their schooling with the scheduling requirements of work.

Applying for Work-Study

Students interested in work-study positions must fill out the Free Application for Federal Student Aid (FAFSA) and mark "yes" when asked if they are interested in student employment. To qualify, students will need to demonstrate sufficient financial need, enroll in a minimum number of credit hours, and meet other requirements.

Students who qualify for work-study will be notified by their university's financial aid office. A work-study award is not a guarantee of employment, so students need to be diligent about pursuing and applying for available work-study positions. Students who don't receive a work-study award and believe they are eligible to receive one should make an appointment with a financial aid counselor to discuss their options. Some schools may offer to put students on a waiting list.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about Student Loans (http://www.nextstudent.com), Private Student Loans (http://www.nextstudent.com/private_loans/private_loans.asp) and Student Loan Consolidation (http://www.nextstudent.com) at NextStudent.com.

And here is another random article you might be interested in...

Build Credit in your Name

If you have delinquent credit and are married, you might want to build your credit in your name instead of using your spouse. Somebody has to have stability. Also if you are divorced and all the credit cards of credit information are in your spouse's name you will need to reestablish your credit in your name.

Getting your credit reestablished is the first step to repairing your credit. When you obtain your credit report you will see that your spouse's name is listed on the credit reports. This is because together you and your spouse applied for credit cards, took out car loans or what have you.

This means that you are responsible for your spouse's account. The advantage is that credit bureaus cannot list the negative accounts against you if you are divorced. Once you have copies of your credit report you will then need to cancel all joint accounts.

If you contact the creditors to resolve the issues on your credit report be sure to ask the creditors to take in consideration your spouse's credit history. It is important to bring into light your spouse's credit history when applying for a loan.

Let the lenders know that you are now divorced and starting your own credit line. If you apply for credit cards, be sure the cards are in your name and use them wisely since this helps to rebuild your credit quicker than most sources.

Make sure that you pay minimum balance on the credit card accounts each month to avoid delinquencies. If at all possible when you see that your funds are low; pay your bills rather than making a purchase on your credit card.

Once you bills are paid be sure to make a payment on your credit card. This method not only keeps you out of trouble with other creditors, but offers a solution for repairing your credit. If you can afford to pay your bills each month and use your credit card be sure to only purchase items you need and keep it at a minimal.

If at all possible payoff your credit card balances each month to avoid interest. Interest rates cost an additional hundreds of dollars in the long run, so paying off your dues on time can save you money. If you don't have credit cards and decide to choose a card be honest on your application and look for the best interest rates available.

If you are in debt it is wise to payoff your dues before applying for a credit card, unless you intend to use the card to get out of debt. If you plan to use the card to get out of debt search for the best interest rates, as well as cards that offer cash back on your spending. There are tips for managing credit cards to repair credit.

It is important that you are consistent with the use of your name. For example, if your name is Robert Leon Swisher Jr., always sign your name accordingly. Do not use your card dishonestly for advantages. Few people believe that lying can get them out of a problem. The truth lying gets you in deeper. If you are filling out an application for credit cards tell the truth. It is important that you understand the timeframe to apply for a credit card. If you are out of work, lived at your resident for less than a year or you have negatives on your credit report, this is not a good time to apply for a credit card.

If you are stable it is always wise to apply with lenders where you have done business with them at a later time. Building your credit after divorce is difficult at times. However it is not an impossible task. It is important that you are aware that most credit card solicitations are gimmicks that only offer you a solution for hanging yourself.

Instead of getting out a rope, it is wise to stay alert, and investigate any credit card offer made available to you. Finally, you want to avoid low introductory rates on credit cards since after about six months the interest rates often hit the roof.