IrishRxMan, instead of working a part-time job, why don't you just rely on student loans to get by? Personally, after all my tuition, housing, and other fees are paid for, I receive a nice refund check in the mail for about $4-5 k both in the fall and spring. I use that money for any miscellaneous expenses such as car repairs, other basics, and even for dining out/entertainment expenses. Hell, I know some people who use some for a spring break get away. At the end of the semester, you can return any remaining funds to the lender if you'd like or keep the rest and simply pay it off when you graduate. Yes, it'll add to your total loan amount, but don't you feel it'd be more comfortable and wonderful to just enjoy a bit of extra money and have the freedom to do what you want while you can devote yourself solely to school? You'll have a lot more money rather than working and will live beyond the point of merely surviving. You'll actually be quite comfortable for a student. Just my two cents.