While many students have parents and scholarships to help them pay for college, others are on their own. It takes determination, drive and patience to put oneself through college. Credit by credit, each class must be paid for with money from somewhere. Books, meals, room and board, activities fees and parking are extra and usually required for anyone living on or near a traditional college campus. Here are some tips for college students who find themselves footing the bill for an education that one day should pay for itself several times over with a high-paying job and secure career.

Employment

Working a full-time or part-time job while in school has its challenges. Most employers will allow a student to work around school hours if they are working part time. Students working a full-time job may have more difficulty finding an employer that will let them entertain an irregular schedule. While earning money to pay for college expenses, students working part-time should try to set work schedules around class schedules. Full-time workers may need to set their class schedules around employment demands.

Study Time

Managing work and school at the same time requires time management skill. Taking the time to study may cut into the social aspect of going to college. It is important for students to remember to read chapters and complete projects and term papers on time. Those that do not will have academic problems, which could lead to limitations in the number of credits allowed. Some college loans and grants require students taking a limited number of classes to start paying back money. Those receiving certain types of grants may be ineligible.

Expenses

Expenses for school can be overwhelming. Loan payments, rent, books, food and entertainment combined all tug on the finances. Students should ensure that they make all payments on time and do not miss any. This will affect future credit. The lower priorities should be entertainment-related.

Private Loan

Some students need an extra boost paying for school. This may come in the form of a private loan. Some loans come in the form of financial assistance from companies that have specialized private student loans. The interest rates are reasonable. The loan recipient has a choice of starting to pay back the money after graduating from school or before finishing. It can be a financial strain for some students to start paying while in school, but the interest accumulation is lower for those who do. Waiting until after graduation may carry a heavier financial burden. The student must choose which option is best. Keep in mind that what may work for the first few years may not work well for the rest. Each school year loan should be evaluated carefully.