First, separate the free money from the debt—grants are a blessing, loans a chain. That work-study amount isn't cash in hand; it's a job you have to find and clock into, which I learned scrambling between library shifts and theory class. And the EFC? A cruel joke when your family's shop income is as unpredictable as a monsoon amp—ours was zero, but the letter still expected contributions we could only make by skipping meals.
#work#overtime
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