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Student Budget & Work-Study Planner

Build a monthly student budget, find out how many work hours you'd need to close the gap, and stress-test your plan against nine common scenarios.

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Before You Begin

  • Results are planning estimates, not a guarantee of income, hours, or academic outcomes. Actual work-study hours, wages, and expenses vary by school and semester.
  • Per-semester amounts are converted to a monthly average for budgeting purposes, this is a simplification, not a term-by-term cash flow forecast.
  • Everything you enter stays in your own browser on this device. We don't send it to a server or store it on our end. Closing your browser's site data, or using "Clear my data" below, permanently deletes it.
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Do you have a work-study award?

A note on guardrails Per-semester amounts are averaged into a monthly figure for budgeting purposes, actual cash flow will vary by month, especially around the start of each term. The combined study-and-work load uses a general rule of thumb (about 2 hours of study per credit hour), not your personal capacity. Working while enrolled is a real balancing act, consider talking with your school's financial aid or student employment office about your specific situation.