Work-study programs and part-time jobs allow students to earn money while attending college, reducing the financial burden on parents and the total amount needed to save for kids' college. Work-Study Programs: Federally funded programs that provide part-time jobs for students with financial need. Jobs are typically on campus or with approved off-campus employers. Part-Time Jobs: Even if students do not qualify for work-study, numerous part-time jobs are available both on and off campus. These jobs help cover personal expenses and reduce reliance on loans and savings.