Studying while you work

Most adult students keep a job while studying. That brings its own aid questions, and often some help from the employer.

Employer tuition assistance

Many employers pay part of the tuition for courses related to the job. Federal tax rules let a set amount each year be paid tax-free. Read the policy for conditions: approved programs, minimum grades, and whether you repay the money if you leave within a certain time.

What to do

• Read your employer’s tuition policy in full
• Ask how part-time enrollment changes your aid
• Report a recent drop in income to the aid office

Aid for part-time students

You can receive federal aid while studying part time, though amounts may be lower. Pell Grants are adjusted to how many credits you take, and federal student loans require at least half-time enrollment. Ask the aid office how your credit load affects your offer.

Read the repayment clause in your employer’s tuition policy before the first class.

Your income on the form

The FAFSA uses income from two years before the school year. A recent raise will appear later, and a recent drop in pay may not appear yet. If your income has fallen, tell the aid office.