Some parts of your schedule are going to be inflexible, such as class times and work days. Fit homework and studying in when you're not in class or at the office. Build a routine that you can stick to, but are able to adjust if other important things come up. As a working student, you have to be ready to adapt to new assignments, unexpected errands, and sudden work crises that need to be addressed immediately. Make enough studying time in your schedule so that if something comes up, you can shift it into another slot during the week. Get a calendar. Write out what you need to accomplish each and every day. When you accomplish a task, check it off with a pen. This way you'll be able to still see how much you've accomplished, while keeping your future tasks organized. If you have other members in your household, keep your calendar posted where everyone can see it. That way, they can avoid making plans that involve you during times when you aren't available. A planner is especially useful if you have a lot of appointments and your days are so varied that you have trouble keeping track of your schedule. Fill in all of your fixed appointments - class times, work times, due dates, and familial obligations. This way you'll know exactly when your free time is, so you can schedule studying sessions or leisure time. Most smartphones have calendar and to-do list functions on them. Apple and Google products have the capability to sync with your laptops and desktop computers so that you can share your schedule between devices. If you add something to your calendar in your smartphone - a new assignment's due date for class, perhaps - it will appear on your home device as well. Talk about your schedule with your friends and family. Give them a glimpse into what the life of a working student looks like and they might just empathize - perhaps, they'll even try to make your life easier. At the very least, they'll know when to expect you and when to leave you alone to conquer your other goals. Sign up for an online calendar and send the URL to the people who depend on knowing where you are and when. You can use a special calendar site, or just share a Google Calendar with them. Figure out what steps you need to make it to where you want to go and set goals for yourself. Do you need 5 courses to finish a program? Find out when they're offered and create a multi-year schedule. Every school is different. Go see an advisor and get them to help you map out your entire program, so you know what to expect. As you fill out your schedule also include time for your family and family obligations. Create a separate column for things you need to do to keep your house in order, your spouse happy, and your children well. Schedule things like laundry and family meal times alongside studying and other work related activities. If you have children, make sure their needs are met. You'll have to take them to daycare/school. Some jobs and schools even provide daycare for their students. They'll need to be fed and you'll need to spend as much time as possible with them. Make sure that you don't neglect your children while going to school. You want to maintain your friendships. At the beginning of every week, schedule something fun to do with your friends for the upcoming weekend. It will show that you are still making an effort to be friends and it will give you something to look forward to during the week. With all of your responsibilities, you probably have a hard time finding time to get everything done, let alone give yourself any down time. However, in order to avoid burnout and stress, it's important to schedule some "me time" every week. Even if it's just an hour where you sit in a coffee shop and read a book for fun with no kids around, make yourself a promise that you will make time to keep yourself happy and healthy.
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One-sentence summary -- Create a flexible schedule. Use a planner. Try a smartphone. Share your schedule. Plan your academic path. Make time for your family. Schedule a weekly social activity. Make time for yourself.

Do not re-wear clothingespecially shirts, undergarments, and socksbecause odor causing bacteria can attach to clothing and multiply. Since washing your dry clean only garments every time you wear them may not be an option, you can keep odor causing bacteria at bay with a simple vinegar and water solution. For your dry clean only items, prepare a 50/50 mixture of vinegar and water, turn the garment inside out, and spritz a little of the vinegar/water mixture onto the underarm area of your garment. (Spot test your garment first to make sure the vinegar solution does not cause any discoloration.) Repeat this process after each wear. Stash an appropriate spare shirt in your car, gym bag, and/or office so that you can change out of sweaty clothing on the go. Moisture wicking clothing is specially designed to help keep you dry during workouts. Wearing moisture wicking clothing will reduce the amount of sweat and bacteria on your body and your clothing.
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One-sentence summary -- Always wear clean clothing and wash your clothing after each use. Spritz your dry clean only items with a vinegar and water solution. Keep a set of clean dry clothes handy. Invest in some moisture wicking clothing.

Your ability to get a loan will depend on your credit history, including your credit score, overall indebtedness, and your income. You should obtain a free copy of your credit report and review it for errors. Dispute anything that is inaccurate. Get your free copy by calling 1-877-322-8228 or visiting http://www.annualcreditreport.com. You will need to provide your name, address, date of birth, and Social Security Number. Common errors include accounts with the wrong balance or limit listed, or accounts inaccurately reported as delinquent or closed. If you default on your loan, your credit history will take a hit. Also, you will lose the collateral you pledged. Accordingly, calculate what you can afford for a loan payment each month. You may need to create a budget to determine how much you can comfortably borrow. Calculate your fixed expenses, such as your rent or mortgage, and then see how much you can reduce other expenses, such as entertainment or travel expenses. Avoid borrowing too much. Because you will likely receive a lower interest rate on a secured loan, you might be tempted to borrow more than you need. Don't! Get the process started by contacting lenders and asking for a secured loan. Tell them the amount you want and what you are willing to pledge as collateral. Ask them about the application process and any timelines. Find out what collateral they accept. Lenders are not required to accept collateral, so you should check whether or not they will accept what you have to offer. If not, talk about what else you might be able to pledge. The lender will review your application and decide whether or not to extend a loan. The length of this process will depend on the lender. If you have questions, call the loan officer you have been working with. You need to comparison shop by looking at the terms offered by many different lenders. Remember, you have not taken out the loan until you sign for it. Compare the following: APR. The annual percentage rate is the interest rate you will pay on the loan. It also might include other charges, such as credit charges. Typically, the lower the APR, the less expensive the loan. Length of the loan repayment. The longer you have to pay back the loan, the less you will pay each month. However, you will pay more in the end, because of accrued interest. Monthly payment amount. Prepayment penalties. Some lenders charge extra fees if you pay off a loan early. Try to find a lender who does not charge these penalties. Ask the lender if you can get copies of all the documents you need to sign. You will want sufficient time to review everything. Make sure you understand all conditions before signing. If you do not understand what you are reading, then contact an attorney to help you. At closing, remember to review the documents to make sure nothing has changed since you were approved for the loan. In fact, you should ask this question of the loan officer.
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One-sentence summary --
Review your credit history. Calculate what you can afford. Contact lenders. Await the results. Compare loans. Review the documents before signing.