While the job method might sound appealing at first combined with financial aid here is why it is NOT as great as it sounds for a college/university student. First all of that money is pre tax. Second it is hard to maintain regular hours due to class offerings varying every semester while most employers are neither flexible or accommodating. Third is that under federal aid rules, once you start making above x amount you can get kicked off federal aids and loan. In addition research and papers take time outside of the classroom. Its possible that a student can make the money financially working full time but in doing so their classroom studies suffer or they get no sleep (serious health problem) between work, class and all the assignment loads. If you don't believe that long papers are assigned just go to https://www.davidmonlux.com/works and look at 2: Cuba Human Rights paper, 3: MSS China Simplified, 7 Intl Terror Paper, 8 Peru Operation Car Wash & 10 Catty Wampis. In addition many students are victims of anxiety attacks from financial issues. In addition when colleges list the average cost of attendance ($23,740 per year) this only includes the basic meal plans, dorm, fees and tuition. This excludes textbooks, parking, transportation, family obligations and additional meals (most meal plans only cover 2 meals a day for 6 days a week leaving 9 meals not included) NOT covered.   Between being disqualified for loans, only being able to go part time work, choosing between a degree or work instead of both and no sleep causing serious health issues, there is a strong incentive NOT to work and a huge disincentive to work. Until this issue combined with the funding is addressed, the status quo will NOT change. We have entered the cycle of insanity of doing the same old thing as we did last week without a new thing to do (That 70's Show) but repeat and more failure keeps happening while expectations for success go up. Its time to come up with a new system that prioritizes student health, creates incentives to work  and gets students the capital funding access with dignity that they need to complete their degrees. Its time to put the dignity back into work, common sense into college funding and remove the serious mental health exhaustion obstacles facing students today.  

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4: UNIVERSITY INSTITUTIONAL LOANS & SCHOLARSHIPS: Very hard to obtain. Most make any student below a 3.00 GPA ineligible. Deans & Departments do play favorites, are underfunded by the State/Federal government and retention standards are set that most students loose the funding within 1-2 semesters. 

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5: INSTALLMENT & PERSONAL LOANS: Variable in obtaining. Be careful not to fall victim to predatory lenders. 

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6: PRESIDENTIAL PARDON: The US President has the power to forgive any and all debts to the United States. Stafford Loans are federal loan debt to the federal government, therefore as a federal debt, the President has the power to pardon any and all STAFFORD Loans. I therefore call upon the US President with the stroke of the pen using the pardon power to pardon part or all of existing student Stafford loans. 

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7: PAID OFF GAME SHOW: More info to come soon.

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8: ANONYMOUS  RICH PERSON: Every college student dream. Rarely happens and is a terrible plan to rely on.

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9: SPECIAL LEGAL PROGRAMS & FEDERAL GOVERNMENT FORGIVENESS PROGRAMS: Comprehensive Plan coming soon. 

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10: DIVINE INTERVENTION: Student Financial Aid Prayer:  

Financial Aid full of Grace OR NOT with thee? Blessed are thou among thy grant and loan disbursements. Financial Aid, Gate Keeper of Funds, will thou release mana from heavenly federal coffers that is aid OR send me to my academic and financial death? AMEN

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If this isn't said around disbursement every semester, than it should be.