Some programs offer credit. The federal government offers low interest loans which you begin repaying several months after graduation and repay over a long period of time. The Perkins Loan Program and Stafford Student Loans are among these. Check with the financial aid department and local banks for information. College Work Study Institutions offer part-time employment to students who demonstrate a need for financial aid.
Most communities provide opportunities for work.
Check with the Career Center at the institution you will be attending. Graduate school and financial aid resources are located in the Career Center resource library.