 TITLE: How to Avoid Student Loans CONTENT: Look Into Work-Study Programs and Part-Time Work\n------------------------------------------------\nWork-study programs work similarly to apprenticeships in that you exchange part-time work for pay. However, work-study programs are typically provided through the federal financial aid program, and they're available to both graduate and undergraduate students. The job you do in a work-study program may or may not be related to your degree program.\nAdditionally, you may look for part-time work in other places. For example, there may be several on-campus jobs that aren't included in the work-study program that you can apply for. You may even look off-campus for job opportunities in your area. That could include a job at a local restaurant or bar, a customer service position, a gig in retail or something else.\nAs you consider working during school, make sure you can get a job with hours that align with your school schedule. Also, try to find a good balance between work and school, so you don't sacrifice your grades for an income.\nRegardless of your approach, the money you make as a college student directly impacts your need to borrow through student loans. END