Parents: How Your Child Can Earn Money as a Writer in College

by Melissa Brock | Jul 3, 2025 | Ask the admission office | 0 comments

Being in college is a new experience for most young people, offering a mix of challenges and excitement. Many things change, and for most college students, this is something they’ll need to adjust to. Becoming an adult means your child will receive a lot more responsibility, one of which revolves around finances, of course.

There are multiple reasons why students want to make more money, but they’re often limited by what kind of jobs they can take. A common approach these days is writing, mainly because of the flexibility. With this in mind, here are a few ways in which your child can earn money as a writer while enrolled in college.

Life as a student often comes with financial struggles. Tuition, books, rent, and food expenses pile up fast, leaving many searching for ways to supplement their income. While traditional jobs like waiting tables or tutoring are common go-tos, there’s a hidden gem that’s both creative and potentially lucrative: writing. Yes, that simple act of putting pen to paper (or fingers to keyboard) can be a ticket to extra cash and even long-term success.

The Many Avenues of Writing

Writing isn’t a monolith; it’s a gateway to multiple streams of income. Some students find their voice through blogging, carving out niches on topics ranging from college survival tips to gaming strategies. Others monetize by ghostwriting articles or creating e-books, capitalizing on skills they’ve developed in school. Freelance platforms like Upwork and Fiverr are teeming with opportunities for budding writers to earn anywhere from $5 to $500 per gig, depending on complexity and expertise.

Then there’s the allure of self-publishing. Thanks to platforms like Amazon Kindle Direct Publishing (KDP), anyone can turn an idea into a book and sell it globally. In 2021 alone, self-published authors on Amazon collectively earned over $1.25 billion in royalties. A well-written how-to guide, a collection of short stories, or even a student’s unique perspective on campus life can find an audience willing to pay for their work. Let’s take a look at some of your child’s options.

Freelance Writer

Freelancing has become quite popular in the past several years, leading us to a point where many consider it their profession. Among the many professions you can commit to as a freelancer is writing. As long as your child is good with words and can craft great content, this is a good option.

There are multiple platforms to utilize for this approach, meaning there are plenty of options. The most important thing with this approach is to have a good portfolio, allowing them to showcase their work. They may need to consider some smaller gigs or write for free to have some of the content published under their name.

Start Blogging

If your child is good at something, they can utilize that knowledge and start a blog. While initially, that would seem like an online journal that people can read, with enough traffic, they’ll reach a point where they can profit from it. It’s not the fastest way to make money, but it can be a steady stream. The best part is that your child can write about anything they want — travel, cooking, photography, etc.

Creating and running a blog requires a bit of work, so they’ll need to be committed to it. They’ll need to figure out what niche they’ll cover and the type of content they’ll publish. Be organized, and make sure they’re posting regularly to keep the momentum going. They can also utilize social media platforms to expand and promote the blog, which can help them bring more traffic.

Proofreader and Editor

Some people aren’t massive fans of writing, but are still good with words, so the alternative to that is aiming for proofreading or editorial projects. Before submitting or finalizing any content, it’s smart to check it through a great grammar checker. This helps catch overlooked mistakes, enhances clarity, and ensures your work meets professional standards

While it is technically in the same niche, they’ll be doing the work from the other side. Other people would write the content, and they’ll go through it, ensuring it’s all good before it goes live.

There are many options here, from proofreading books to working as an editor for a newspaper or a website. Another popular option, especially for beginners, is to become a short story editor, mainly because your child won’t need a massive portfolio to get hired. Regardless of which option they choose, it can be a solid start to have some extra income as a student.

Content Creator for Social Media

Becoming a content creator on social media has become quite popular as the popularity of these platforms began to rise. Since we’re talking about writing, they can focus on writing the content or writing scripts for people who make video content. Both can work well, depending on how they want to approach this.

Social media can also be a good way to promote themselves and get more clients. Your child will need to target specific hashtags or access certain groups and if they do that right, they can get more clients, helping them boost their writing career.

Tutoring

Your child might be good at writing, but that doesn’t mean they should aim for writing-related projects. An alternative to this is going for tutoring or teaching assistance. The idea is that they help others with their writing, whether it’s just for one essay or more.

There are two options here that can help your child make money. They can work with fellow students on their college materials or with younger kids, helping them with writing-related assignments. The first option is to provide one-time help, so they’d make a single session and be done with it. The second option is to create groups and work with them on a consistent basis.

Self-Publishing

Advancements in the digital world have allowed many creatives to publish their work, which is another good option for making money as a student. The platforms are already available, so the only thing they’ll need is to start writing.

In many ways, this is similar to blogging, but the difference is in the money stream. Your child can write a book on a topic that they feel people would want to read and start selling it. If the book is good and they get good reviews, more and more people will want to buy it.

You’ll often hear that earning while in college is difficult. The reality is that it’s tricky but doable, especially if your child is good at writing.

Why Students Make Great Writers

Students are in a prime position to capitalize on their writing abilities. Academic assignments already hone their skills in research, argumentation, and clear communication. This foundation can easily be adapted to more marketable forms of writing, such as creating compelling website content, drafting copy for marketing campaigns, or even writing technical manuals.

Moreover, students bring fresh perspectives to the table, often targeting Gen Z readers who crave authenticity. Brands and publishers increasingly seek relatable voices, giving students an edge in writing for social media campaigns, young adult fiction, or blogs aimed at their peers.

The Financial Potential of Writing

While not every writing endeavor pays a fortune, the financial benefits can be surprising. According to Glassdoor, freelance writers in the U.S. earn an average of $24 per hour. For a student juggling classes, dedicating 10 hours a week to writing could result in nearly $1,000 a month — enough to cover books, groceries and other essentials.

For those willing to invest time in creating longer works, the payoff can be even more significant. E-book novels often sell for $2.99 ​​to $9.99 on platforms like Amazon, with authors earning up to 70% in royalties. Of course, you’ll have to find inspiration, and the ability to read free novels online is often the answer. To read novels online, you need a platform with a large list of novels. For example, you can read alpha stories read online on Fiction Me and even publish your future book on the platform. There’s a large list of free novels online here, but there are also paid iOS novels. A well-marketed novel online that sells 1,000 copies at $4.99 could net an author around $3,500—a significant boost to any student budget.

Bank Strategically for Organization

Freelancing as a student isn’t usually a full-time operation. One week it’s a writing job, the next it’s some quick design work, then maybe nothing for a while. The payments come in different ways — Venmo, bank transfers, Zelle, maybe a cash payment here or there. And if it’s all going into the same account your child uses for groceries, bills, or late-night food runs, it becomes really hard to know what’s what.

The money shows up, but it disappears just as fast. It feels like work, but there’s no clear sense of how much you child actually makes. That’s where things get frustrating. They’re trying to do something responsible, like earn income, but without a system in place, it just feels messy.

The fix isn’t complicated. It starts with separating earnings from spending and giving income its own place to land. 

Why Banking Choices Affect More than Just Bank Balances

Most student freelancers are not thinking about taxes or bookkeeping when they first start earning. The goal is to get paid and keep things moving. But as soon as the work becomes consistent, even part time, the banking setup starts to matter more than you expect.

When freelance payments mix with personal spending, it gets hard to track what was earned versus what was just moved around. You might not know how much money came in until you scroll through a month’s worth of food orders and streaming charges. That makes budgeting difficult and makes it nearly impossible to prepare for tax season.

The right banking setup turns all of that noise into a clearer picture. Your student can see earnings, set money aside if needed, and stop guessing when it comes to cash flow. Your child doesn’t need accounting software or a business degree to do it, just a separate place for freelance income to land.

How to Keep Freelance Money Simple and Separate

Your child doesn’t need to start a company or file extra paperwork to separate freelance income. All they need is a second account that exists for one purpose. It catches the money earned from freelance work so they can see it clearly and manage it without mixing it into everyday spending.

This is where setting up a dedicated account makes a real difference. When you set up a business account for freelance income, your child gets a simple system that makes everything easier to manage. It’s not about being formal. It’s about creating less stress around money.

Most banks or credit unions will let you open a second checking or savings account with no extra fees. Some even offer student accounts that are ideal for freelancers because they come with fewer requirements and flexible access. Once the money goes there, you’re already ahead. It’s easier to track, easier to budget, and easier to treat freelance work like real income — because it is.

What to Look for in a Student-Friendly Account

Fancy features aren’t necessary, but your child does need an account that does a few things well. It should be free to use, easy to access online, and able to accept direct deposits or digital transfers. If your child works with clients who use PayPal or Stripe, they can move funds without delays or extra charges.

Many students stick with the same bank they opened in high school, but it’s worth checking out options designed for freelancers or young professionals. Look for no minimum balance requirements, mobile app support, and the ability to transfer quickly between accounts. These are the tools that make the difference when things start to get busy.

You don’t need to figure everything out right away. Freelancing comes with a learning curve. But setting up a second account now, while things are still small, helps build good habits from the start. It turns freelance income into something you can see, manage, and grow.

It also makes the shift from side gig to serious income feel smoother. When your banking setup supports work, it’s easier to stay on top of what matters. That kind of structure doesn’t just help during tax time. It helps with confidence, organization, and staying in control of money.

Writing as a Long-Term Investment

The benefits of writing extend beyond immediate financial gain. It builds skills that are invaluable in almost any career. The ability to articulate ideas, persuade an audience, and present information clearly can open doors in fields like marketing, journalism, and public relations.

Consider also the portfolio effect. A collection of published articles, blog posts, or e-books serves as a digital resume, showcasing a student’s abilities to potential employers. In a world where LinkedIn profiles and personal websites are standard, having a tangible body of work sets candidates apart.

Challenges and How to Overcome Them

Of course, writing isn’t without its hurdles. For one, it takes time to establish a rhythm and find paying opportunities. Many students feel intimidated by the competitive nature of the field. Yet perseverance pays off. A 2018 survey by the Content Marketing Institute found that 91% of companies use content marketing, creating a high demand for skilled writers.

To get started, students can focus on smaller, attainable goals. Write guest posts for blogs in their niche. Join freelancing platforms and take on beginner-friendly gigs to build confidence and experience. Resources like online writing courses or mentorship programs can also accelerate growth.

Success Stories to Inspire

Take Christopher Paolini, who wrote Eragon at age 15 and self-published it while still a teenager. His debut book became a bestseller, leading to a lucrative series and a career in writing. Or consider the many college students who’ve turned personal blogs into full-fledged businesses. The key takeaway? Success is possible, even for those starting from scratch.

Writing isn’t just a skill—it’s a passport to financial independence and creative fulfillment. For students strapped for cash, it offers flexible work that fits into their schedules while sharpening abilities that pay dividends in the future. From freelancing to self-publishing, the opportunities are vast and varied. All it takes is a willingness to start.

In a world driven by content, your words could very well become your wealth. Why not let writing write your financial story?

Consider Writing Yourself!

Do you think you also have unique writing skills? You might consider writing yourself instead of handing these tips off to your student. Consider any one of the above options to give yourself an opportunity to earn money to pay for college. They can be extremely lucrative, and you can tackle them during off hours — that’s how I got started writing — after my day job was over! 

FAQs

How to make money as a writer in college? 

Making money as a writer in college involves leveraging your writing skills for various opportunities. You can start by contributing to campus publications, writing for blogs, or creating content for local businesses. Freelance platforms like Upwork and Fiverr also offer opportunities for writing jobs, such as copywriting, article writing, and proofreading. You could explore tutoring fellow students in writing or creating study guides. Some students even monetize personal blogs or social media accounts by writing niche content and generating ad revenue or affiliate marketing income.

How to freelance write as a college student? 

To freelance write as a college student, begin by building a portfolio of your work. Create samples in areas like blog posts, articles, or academic writing. Then, sign up for freelance websites like Upwork, Fiverr, or Freelancer, where you can bid on projects. Networking with local businesses or reaching out to startups can also help you land clients. Be sure to manage your time effectively to balance coursework and freelancing, and start with smaller projects to gain experience and positive reviews.

What writing pays the most? 

Writing that typically pays the most includes technical writing, copywriting for marketing campaigns, grant writing, and content writing for established businesses. Specialized fields like legal writing, medical writing, or ghostwriting for books can also offer higher pay rates.

What is an Applied Behavior Analysis Degree? Is it Right for My Student?

by Melissa Brock | Jun 27, 2025 | Ask the admission office | 0 comments

In an ever-evolving world where understanding human behavior is key to fostering positive change, a master’s in applied behavior analysis (ABA) offers a powerful gateway to a fulfilling career in behavioral sciences. Whether working with individuals on the autism spectrum, improving workplace efficiency, or enhancing educational methodologies, ABA professionals play a vital role in shaping behaviors that lead to meaningful and lasting improvements on an individual’s life.

Sometimes parents shop around for great master’s degree ideas for their kids, but they might not consider this one. Do you think an applied behavior analysis degree might help your child find their deeper purpose? Let’s find out.

What is an Applied Behavioral Analysis Degree?

An advanced degree in ABA provides students with in-depth knowledge of behavioral science, specifically behavior modification techniques, data-driven analysis and intervention strategies. Graduates are equipped with expertise in the following:

• Behavioral assessment
• Reinforcement methodologies
• Ethical considerations
• Intervention planning

This comprehensive education ensures individuals are prepared to tackle behavioral challenges in clinical, educational and organizational settings.

What sets ABA apart from other psychological fields is its emphasis on evidence-based practice. Through rigorous training, students learn to assess behavioral patterns, develop customized treatment plans and apply scientifically proven strategies that drive measurable outcomes. The ability to analyze behavior systematically and implement targeted interventions is a critical skill set that distinguishes ABA professionals in a variety of industries.

Why We Need More ABA Professionals

The demand for ABA professionals continues to rise as behavioral science becomes an integral part of various fields. One of the most prominent areas of application is autism therapy, where ABA techniques have been shown to significantly improve communication, social skills, and adaptive behaviors in individuals on the autism spectrum. However, ABA’s impact extends far beyond autism intervention.

Professionals with expertise in applied behavior analysis are also needed in special education, corporate behavior management, mental health therapy and even criminal rehabilitation. Organizations seeking to enhance productivity, schools aiming to support students with behavioral challenges and health care institutions striving to improve patient compliance all benefit from ABA methodologies. This diverse range of applications ensures that ABA graduates can explore multiple career paths and continuously evolve in their profession.

Impact of a Master’s in ABA on Individuals and Society 

ABA degree equips professionals with the skills necessary to understand and modify behavior, which is essential in various fields, particularly in education, health care and mental health. For individuals, obtaining an ABA degree opens up numerous career opportunities. Graduates can work as behavior analysts, therapists or consultants, providing essential services to individuals with developmental disabilities. The techniques learned in a master’s program enable these professionals to create pure interventions that can significantly improve the quality of life for their clients. By applying behavior analysis principles, they can help individuals develop essential skills, such as communication, social interactions and self-management, leading to greater independence and improved social integration.

The impact of ABA extends beyond individual clients. When behavior analysts implement effective interventions, they contribute to the overall well-being of families and communities. Parents and caregivers often experience relief and empowerment as their loved ones make progress in their behavioral and developmental goals. This positive change can foster stronger family dynamics and enhance community support systems, as individuals with improved skills become more active participants in society. In recent years, the demand for professionals trained in ABA is growing. 

With increasing awareness and understanding of autism and related disorders, more families are seeking support. This trend highlights the need for qualified behavior analysts who can provide evidence-based practices. As these professionals enter the workforce, they play a crucial role in shaping policies and practices that promote inclusivity and understanding of individuals with disabilities. Their work can influence educational practices, healthcare policies, and community programs, leading to a more inclusive society. The research conducted by those with a master’s in ABA contributes to the body of knowledge within the field. By exploring new interventions, assessing their effectiveness, and sharing findings, these professionals help advance the science of behavior analysis. This ongoing research not only benefits individuals with specific needs but also informs best practices across various sectors, leading to improved outcomes for all.

What Skills do ABA Professionals Need?

If you could snap your fingers for a list of what a supervisor might look for in the perfect candidate for this job, here it is!

• Strong communication skills: Your child will need both verbal and written communication skills to work with clients, families and professionals.
• Analytical thinking: ABA is data-driven, which means your child will need to be able to track, assess and interpret behavioral data.
• Empathy and patience: There’s no question your child will need empathy and patience, especially when working with individuals with autism or developmental disorders.
• Attention to detail: Success in ABA relies on implementing specific behavior plans with consistency, so your child will need to have extreme attention to detail.
• Curiosity and critical thinking: Has your child always been extremely curious? They’ll need to tap into this skill to evaluate behaviors and the impact of interventions.
• Ethical mindset: ABA professionals must follow strict ethical guidelines from the Board Certified Behavior Analyst (BCBA).

Actionable Tips for Aspiring ABA Professionals

If you’re considering a career in ABA, here are a few practical steps to help you succeed:

Step 1: Develop Strong Analytical Skills

ABA heavily relies on data collection and analysis to measure the effectiveness of interventions. Strengthening your ability to interpret behavioral data and make evidence-based decisions will significantly improve your impact as an ABA professional.

Step 2: Obtain Certifications

The first step in becoming an ABA therapist involves getting an undergraduate degree, such as in a field like psychology or education. Next, you’ll need to get an advanced degree. You must get a master’s degree in a field like applied behavior analysis.

You’ll need to become licensed to practice; prerequisites vary from state to state. Get familiar with the licensing requirements for your state. In addition to becoming licensed, you’ll need to get certified.

Earning additional certifications, such as the BCBA credential, can enhance your credibility and open doors to advanced career opportunities. Many states and employers prefer candidates with this certification, making it a valuable investment in your professional growth.

Step 3: Gain Hands-On Experience

Many ABA programs incorporate supervised fieldwork, but it’s beneficial to seek additional opportunities to work with different populations. Volunteering at clinics, schools or rehabilitation centers allows you to apply theoretical knowledge in real-world settings and build confidence in your skills.

Step 4: Stay Updated on Research

Behavioral science is a dynamic field, with new studies and interventions emerging regularly. Subscribing to academic journals, attending ABA conferences and engaging with professional organizations like the Association for Behavior Analysis International (ABAI) will help you stay informed and get ahead in your career.

Step 5: Expand Your Career Horizons

While many ABA graduates work in clinical therapy or special education, don’t be afraid to explore unconventional applications. Fields like sports psychology, consumer behavior research and human resources increasingly utilize ABA techniques to drive performance and engagement. Keeping an open mind about where you can apply your skills will broaden your career prospects.

Is an ABA Degree Right for Your Student?

Mastering ABA principles not only paves the way for a successful career but also enables professionals to make a genuine difference in people’s lives. Whether by helping children develop essential life skills, guiding businesses toward more efficient operations or assisting individuals in overcoming behavioral challenges, ABA professionals serve as catalysts for change.

Moreover, the growing emphasis on mental health awareness and behavioral interventions means that ABA will continue to be a sought-after discipline. By committing to lifelong learning, embracing innovative approaches, and staying passionate about behavior science, ABA professionals can ensure their expertise remains valuable in an evolving world.

A master’s in ABA is more than just a degree — it’s an opportunity to transform lives through science-backed interventions and thoughtful, data-driven strategies. With a rising demand for behavioral specialists, gaining experience and continuously refining your skills means you can contribute meaningfully to society while securing a fulfilling and dynamic profession in behavioral science.

Learn more about college search myths, checklist for rising juniors, and how to prepare for college as a freshman in high school.

FAQs

Let’s look at a few frequently asked questions for those potentially interested in an ABA degree.

What degree is required for an ABA?

Generally, you’ll need a master’s degree to be able to work in the field. However, there are ways your child can pursue this career path without a master’s. Your student will need to do the research to determine the right school for them. Learn the requirements, the classes they must take, the classes that fit them, and everything else you can learn about the program.

Is applied behavior analysis a good degree?

For the right individual, an applied behavior analysis degree can be a great option. If your child gravitates toward working with individuals with special needs and enjoys learning about psychology, it can be a great career trajectory. It’s a great idea to chat with others in the field before they launch their career.

Can I be a BCBA without a master’s degree?

Yes! Many people believe a master’s degree is the only way to become a Board Certified Behavior Analyst (BCBA), but that’s not true. You can tap into alternative pathways that recognize diverse educational and professional backgrounds. These options often combine approved coursework, supervised fieldwork and relevant work experience. For those who haven’t followed a traditional graduate route, these alternatives make BCBA certification more accessible than they might have thought.

How to Avoid Expensive First-Year College Student Mistakes

by Melissa Brock | Jun 25, 2025 | Ask the admission office | 0 comments

Between adjusting to a new environment and trying to stay on top of classes and everything else college throws their way, some students make choices that cost them more than expected. They don’t always make major errors — often, it’s small oversights or assumptions that add up. Getting ahead of these problems early can help students avoid long-term financial and academic setbacks.

There’s no single rulebook, but there are patterns stuck on repeat. Being aware of them now can help reduce stress later. Below are five common money mistakes to avoid in college that cost students money, time or both — and what you can do to steer clear of them. (Because trust me, you’re going to want to!)

How You Can Overlook the Real Cost of College

Every student deals with the cost of books, course supplies, software, daily transport, personal items and meal plans. These costs crank up fast if you don’t have a plan.

America’s total student loan debt has reached a staggering $1.777 trillion as of 2025, with the average federal student loan balance standing at $38,375 per borrower. This number continues to grow as students take on more debt for both tuition and living expenses.

Learn more: Why is College So Expensive in the United States?

Not Understanding the Actual Costs

It’s important to go beyond cost-of-attendance calculators by doing things like: 

• Track spending during the first few weeks of school. 
• Compare actual expenses against expectations. 
• Adjust monthly budgets from there. 
• Don’t buy new textbooks without checking for cheaper alternatives.

Digital study guides and open-source materials offer strong alternatives. Many instructors are flexible about where the materials come from, as long as the content is correct. Avoid impulse tech purchases unless they are required for class, because these decisions can shape financial stress levels for the rest of the year.

Learn more about hidden fees that might jump out at you.

Underusing Available Support

Some students try to do everything alone. While independence matters, ignoring support options often leads to poor results, such as paying to repeat classes or taking summer credits to catch up.

Academic support doesn’t always look like formal tutoring. Peer-generated tools, shared lecture notes, and well-organized study material can make a difference. Students use these to fill knowledge gaps or prepare for finals when lectures don’t stick.

Platforms like Studocu offer thousands of real student-uploaded study notes, summaries and exam prep files for a wide range of subjects. These resources often include past tests, flashcards and topic breakdowns that save hours of frustration. Using a mix of materials helps students find the best approach for them. Relying only on official slides or one professor’s teaching style can create blind spots.

Ignoring Scholarships and Grants

Plenty of students give up on applying for financial aid. Some think they won’t qualify, and others believe the process takes too long or isn’t worth the effort.

The truth is that new scholarships open throughout the year. Some are based on GPA, but others depend on community involvement, field of study or even unique hobbies. Set a recurring reminder once a month to check your college’s financial aid page and trusted third-party sites and track deadlines on a calendar or planner.

College majors with the highest shares of federal grant money include health (18.4%), humanities (16.3%) and business/management (15.9%). Meanwhile, over 66% of students with above-average SAT and ACT scores receive private scholarships, and STEM students are 5% more likely to receive scholarships than non-STEM students.

Maintaining academic performance opens doors to more awards. Using study help resources increases confidence and performance, improving merit-based funding eligibility. Even small scholarships can add up to hundreds of dollars saved per term.

Credit card companies often target first-year students. While having a card for emergencies might feel helpful, it’s easy to overuse it without a clear repayment plan. Interest rates can spiral if balances aren’t paid in full.

A 2024 national survey revealed that 59% of college students have considered dropping out due to financial stress, with nearly 80% reporting that finances negatively impact their mental health. This financial pressure often leads to increased credit card usage and debt.

Before signing up, compare offers from banks and credit unions. Read the terms carefully. Avoid cards with high fees or low limits. Use student-focused financial literacy tools — many colleges offer them for free. These teach interest calculations, budgeting and long-term planning.

Federal student loans come with better terms than most private options. Use them wisely. Take out only what you need. Pay attention to how much you borrow each semester, not just the total over four years. That awareness sets the tone for manageable repayments after graduation.

Learn more about ways to get college paid for and how to reduce college costs.

Skipping Course Planning and Academic Advising

Assuming you can figure out course planning solo is risky. Degree programs come with required credits and prerequisites. Going it alone can leave students short when they’re ready to graduate.

Schedule a meeting with an advisor each semester. Ask about course sequences, when they’re offered, and how choices impact future semesters. Some classes are only available once a year. Missing one can delay graduation by a full term, which adds more tuition and housing costs.

Advisors can also help identify minors, electives or certificates that match core classes. This saves time and strengthens transcripts. Degree audits, which show which credits still need to be completed, are another tool worth reviewing each term.

Missing Out on On-Campus Jobs and Low-Commitment Income Options

Many students overlook easy ways to bring in money while studying. On-campus jobs are designed with student schedules in mind and often offer more flexibility than off-campus alternatives. Positions in the library, student union, labs or academic departments usually don’t require long hours but provide steady income and a built-in safety net if academic priorities shift. Studies show that students who complete internships are 32% more likely to receive job offers after graduation, and those who land full-time positions can expect starting salaries $15,000 higher than non-interns.

Work-study programs are also available to those who qualify through financial aid applications. These programs don’t reduce tuition directly but help cover ongoing costs like food, transport, or supplies. Earning a small, predictable income helps reduce how much students rely on credit or loans.

Stay Focused and Save More

Financial and academic planning doesn’t have to be overwhelming. Students who take small steps, check budgets, apply for aid and use smart study tools can avoid many big, expensive mistakes that catch others off guard.

Use what’s already available. Speak with advisors. Make use of shared study platforms and course materials. Keep looking for ways to cut costs without cutting corners on quality or performance. Small changes now can lead to less debt, better results, and more flexibility later on.

Learn more: Ways a Tuition Payment Plan Can Help You

FAQs

What is the 50/30/20 rule for college students?

The 50/30/20 rule is a budgeting guideline that helps students manage their money by dividing their income into three categories:

• 50% needs: Rent, groceries, transportation, tuition, and essential bills.
• 30% wants: Eating out, entertainment, hobbies, and non-essentials.
• 20% savings and debt repayment: Emergency fund, student loan payments, or saving for future expenses.

While originally designed for working adults, it can be adapted for students living on part-time income or financial aid.

First-year college students usually catch themselves making a variety of rite-of-passage mistakes, such as falling prey to poor time and money management, skipping class, overspending, not asking for help, overcommitting to friends or clubs and organizations and neglecting self-care.

What are the biggest mistakes college students make?

College students often take on too much student loan debt (which they find themselves paying for years after they graduate) — this is one of the biggest monetary mistakes. They may also choose a major without researching job prospects or personal fit, fail to build relationships with professors or network in their field, not use campus resources and skip internships or work experiences that will bolster their resumes. They may also fail to track their academic progress.

How to Report Student Business Income on FAFSA

by Melissa Brock | Jun 24, 2025 | Ask the admission office | 0 comments

Can student business income affect financial aid? In short, yes.

Many students juggle school and self-employment. Some run their own digital storefront, some freelance on weekends, some tutor online — the sky’s the limit. Side income has pretty much become a normal part of college life and that’s a great thing. 

It’s not easy, but it makes students more independent, it strengthens résumés and helps cover tuition or living expenses. But what many students (and their families) don’t realize is that this income can also affect eligibility for financial aid. 

When you apply for federal aid through the Free Application for Federal Student Aid (FAFSA) or institutional aid through the CSS Profile, income from the business you run on the side doesn’t fly under the radar. Depending on how much your child earns and how you report those earnings, they might receive less financial assistance even if they barely turn a profit. 

So, what do you do? You educate yourself, of course. This article will walk you through how to report business income on the FAFSA and the effect a student-run business can have on financial aid. 

How the FAFSA and CSS Profile Treat Student Income

According to the National Center for Education Statistics (NCES), 40% of full-time undergrads and 74% of part-time students had jobs during college. The NCES doesn’t specify separate gig work, but younger students are heavily involved in it. 

Financial aid applications consider job income and self-employment income. If a student works for an employer, it’s simple and straightforward. But if they run a business, freelance or have a gig on the side, the IRS counts that as self-employment and so do financial aid forms. 

The FAFSA allows students to earn $11,510 without affecting aid. However, this figure is subject to change based on factors such as family size and annual inflation adjustments. If your student earns more than that, it can reduce eligibility, since it’s assessed at up to 50%. 

Business income is included if it’s reported on your tax return. The CSS Profile, which some colleges use, goes even deeper, and it might consider income before expenses are deducted and look at assets as well. 

Even if your child makes a small profit from their student business, it can still change how much aid you receive. This is why it’s so important to track everything and to report it correctly. 

Learn more: What is Financial Aid?

If your child is in school and also self-employed, you have to stay organized because income reporting mistakes can cause a lot of trouble down the line. 

Here’s how to keep everything in order. 

Track All Sources of Income

Have your child track every dollar they earn through their business counts. This includes digital payments, affiliate commissions, cash tips, and even money you get through PayPal, Venmo or Stripe. Small payments are easy to forget, but over time, they add up and affect the amount of income your child reports. 

Use a spreadsheet or an accounting app to track month to month, and you’ll never have to worry about surprises when filing taxes or reporting aid. 

Learn more: What is Need-Based Financial Aid?

Keep Receipts and Business Expenses

One of the best ways to lower your reportable income is to simply track your expenses. If your child is selling products, tutoring or freelancing, you probably have costs that qualify as deductions, for materials, software, website hosting or even mileage if your child travels to see clients. 

Keep receipts for every purchase because this will help you subtract costs from total earnings, meaning you’ll report lower income, which can make a big difference on your child’s FAFSA. 

In terms of storage, ensure you’re not just stuffing receipts and tax papers in random drawers or folders. Instead, use what accountants and tax preparers use, such as tax return folders by Mines Press and similar printing services.

File Schedule C and Related Tax Forms Accurately

Self-employed students often need to file a Schedule C form to report business income. A Schedule C is a form that shows both the money your child earned and the expenses they’re claiming. If they don’t do this or enter incorrect numbers, they might overstate their income.

Use tax software to help you through the process or work with a tax preparer who knows how to properly report student income. 

Learn more: What is Merit-Based Financial Aid?

Keep Multi-Year Tax Records for FAFSA Renewals

Financial aid forms often look at tax data from last year, so those records are just as important as this year’s. Help keep full copies of your child’s tax returns and any supporting documents because the school or aid office might ask for them and keep your tax paperwork organized by year to keep it all in one place. This makes the renewal process much easier and faster.

5 FAFSA Mistakes Student Entrepreneurs Often Make

The FAFSA is way more than just a form — it’s a system that pulls in your tax information and helps schools determine the amount of aid to allocate, including federal student loans, such as the Parent PLUS loan. If you’re self-employed, the way you report income is much more important than you may think. 

Here are five mistakes many student entrepreneurs make and how to avoid them. 

Learn more about how student loans work, including private student loans.

1. Forgetting to Report Self-Employment Income

Students often don’t think side income counts if it’s casual or under the table, but the FAFSA wouldn’t agree. Whether it’s tutoring, designing websites or flipping products online, everything your child earns is considered income, and you have to report it. 

The FAFSA uses your tax return to decide whether you’re eligible for aid or not, so if that money isn’t there, you could be flagged for inconsistencies or even accused of misreporting. Even if it seems small, your child’s aid could be reduced or you could get penalties down the road. 

2. Reporting Total Income Without Subtracting Expenses

The FAFSA looks at your net income, not gross. So if your child earned $6,000 selling handmade jewelry but spent $2,500 on supplies and shipping, only $3,500 counts. 

If you report the full $6,000, your child would be overstating their financial strength, which can make it seem like you need less aid than you actually do. Always subtract the expenses first. 

3. Completely Skipping the Schedule C Form

Schedule C allows your child to list business income (and lost income) and deductions. If you don’t do this or you file incorrectly, the FAFSA won’t know how to read your business activity and it may assume you have a higher income than you really do. 

Without this form, your child loses the chance to properly document business expenses, which directly impacts aid calculation. Filing Schedule C is extra work, but it’s important. 

4. Mixing Personal and Business Finances

Mixing personal and business finances makes it hard to track what you actually earned, but it happens all the time to people who use the same account for personal expenses and business income. Your numbers might be off when it’s time to report income on the FAFSA. 

Consider encouraging your child to open a separate business account because it helps them stay organized and offers clean documentation if they ever need it. 

5. Misunderstanding the IRS Data Retrieval Tool

The IRS Data Retrieval Tool (DRT) is supposed to make the FAFSA easier because it pulls your tax information directly from the IRS. But if you didn’t file correctly or you left out important forms like Schedule C, the tool won’t pull in the full picture, causing discrepancies between what the FAFSA sees and what your student’s actual finances look like. 

Some students assume that using the DRT means they don’t have to double-check anything, but that’s super risky. Always ensure all tax returns are complete and accurate before using the DRT. 

Learn more: What is Room and Board? and How to Get In-State Tuition When You Live Out-of-State

If your child’s business is bringing in decent money, pat them on the back! That’s quite an accomplishment for someone who’s studying and working. However, you might wonder how to reduce the impact on your child’s financial aid. This might sound sketchy, but there are 100% legal ways to go about this. 

• Timing: Timing is a big one. Your child can choose when to receive payments, meaning they can speed them up or delay them so they don’t have to report higher income in the year they’re applying for aid. Another smart move is to contribute to a retirement account, such as a Roth IRA. This will lower their reportable income and do something good for their future self.
• Buying equipment or tools: If your student must buy equipment or tools for your business, you might want to do it before the end of the tax year because those purchases count as expenses and can reduce your net income.
• 529 plans: If your family uses a 529 college savings plan, it’s better to keep it under your parents’ name because that can reduce its weight when it comes to calculating aid.

Consider All Angles for Student Business Income

It’s important to remember that IRS audits on small business filers happen: about 0.42% of those reporting under $25,000. This number seems trivial, but it’s higher than the zero-income audit rate. The IRS also flags Schedule C filers, especially since an estimated 76% of sole proprietors misreport business expenses each year, amounting to almost $92 billion in annual discrepancies. 

Many students have some self-employment income and the FAFSA calculates against it. 

Mistakes or sloppy reporting could cut into your aid or even make you ineligible for it. 

FAQs

Do you still have questions about student business income affecting college aid? Let’s walk through some FAQs.

Do I need to report hobby income on the FAFSA?

Absolutely. If your child makes money from it, you need to report it. The IRS and FAFSA don’t care whether selling muffins is just something they do here and there because they like it. If they get paid for it, they must report it. 

What if my business loses money?

Welp, that’s unfortunate, but your child still needs to report it. Actually, you want to report it. If the expenses for their business are higher than its income, that can work in their favor on FAFSA. When you report net loss on your Schedule C, that reduces your total income, which could help increase aid eligibility. 

Does income from Venmo or CashApp count?

Yes, because it’s still money. Even if the money comes from the Tooth Fairy, it needs to be reported. It doesn’t matter where it comes from; if you’re getting paid for services or selling something, it’s income. Keep records, even peer-to-peer apps, because neither FAFSA nor the IRS ignores digital payments. 

Can parents report the business under their name instead?

No. If your child is the one doing the work and getting the money, that income is theirs, even if you help you manage the money or file taxes. If you report it under someone else’s name, the IRS and financial aid offices won’t be pleased.

How to Prepare for Unexpected and Hidden College Costs

by Melissa Brock | Jun 20, 2025 | Ask the admission office | 0 comments

College costs don’t stop at tuition, room and board. If your student is just beginning their college journey, you may think you’ve accounted for all your expenses, but surprise costs can creep up and throw your budget off track. From one-time fees to recurring out-of-pocket expenses, students often encounter bills they didn’t see coming.

This guide helps you understand which costs to watch for and how to prepare for hidden costs of college. By the end, you’ll know how to plan for the unexpected, make smarter financial decisions and tap into the right resources to stay on track.

Why College Budgets Often Fall Short

Even when you plan carefully, some expenses can catch you off guard. College cost calculators and brochures often overlook less obvious fees, making it easy to underestimate your actual expenses.

Hidden Fees Add Up Fast

Schools may charge mandatory lab fees, tech fees, student activity fees or course-specific surcharges that aren’t clearly outlined in your bill. These can range from $25 to over $200 per class.

If your child takes a biology course with lab requirements or a graphic design class that uses professional software, you could be responsible for additional access fees. These charges usually show up after registration, making them hard to budget in advance.

Living Costs Shift From Semester to Semester

A change in your child’s meal plan or housing situation could increase your out-of-pocket expenses without warning. For example, if your student’s dorm closes over a break or their lease starts late, they might need temporary housing or dining options.

Likewise, inflation affects everyday costs like groceries, transportation and hygiene items. These often get overlooked in initial college planning conversations, even though they add up quickly.

Unexpected Medical Visits and Prescriptions

Most campus health centers offer basic services, but some visits, like emergency care, lab work or prescriptions, may require out-of-pocket payments. If your child visits an off-campus provider or requires ongoing care, you may be charged the full price or be required to meet a deductible.

Don’t assume your insurance covers everything. Review your health coverage before arriving on campus and understand the cost of care at local clinics and pharmacies.

Mental Health Services Can Be Limited

Many schools offer a limited number of free therapy sessions. But if your child needs more support, they may be referred off campus. Those appointments can cost $75 to $150 per visit or more.

According to the American College Health Association, nearly three in four students report moderate to serious psychological distress during college. It’s important to budget for mental well-being, especially during high-stress periods like midterms or finals.

Once classes begin, it’s the everyday spending that often surprises students the most. These recurring costs can affect how long savings lasts.

Transportation and Travel Expenses

Whether your child commutes from off campus or travels home for breaks, you’ll likely spend more than you expect on transportation. Costs can include:

• Bus or subway passes
• Gas and car maintenance
• Parking permits or tickets
• Rideshares or rental cars during holidays

A single round-trip flight home during a school break can cost $300 or more. Booking at the last minute or during peak times only increases the cost. Consider adding travel costs to your yearly budget upfront to avoid surprises later.

Books, Supplies and Tech Gear

While used books and digital rentals can lower textbook costs, some professors require new editions or digital access codes that are only available through the publisher. These often cost $100 or more per course.

Other overlooked costs include:

• Notebooks, folders and printer paper
• Lab goggles, calculators and specialty materials
• Laptop repairs or software upgrades

Most students can’t afford to delay tech fixes. If their laptop breaks, you’ll need to replace or repair it quickly. A good safety net for tech-related emergencies is essential.

How to Plan Ahead for the Unexpected

Rather than reacting to financial surprises, take steps to stay ready. The more flexibility you build into your plan, the more confident you’ll feel navigating college finances.

Add a Buffer to Your Budget

One of the easiest ways to stay prepared is to include a buffer — ideally $500 to $1,000 per semester — into your budget. This can cover unexpected fees, travel, or health-related needs.

If you don’t use your buffer, roll it into the next semester or move it into an emergency fund. You’ll be glad it’s there when something unplanned comes up.

Track Your Expenses Weekly

A written or digital budget is only effective if you update it consistently. Use free tools like Mint, YNAB or even a simple Google Sheet to track what you planned to spend, what you actually spent, and categories going over budget.

Tracking weekly helps you catch patterns early and adjust before things spiral. It’s a smart habit that builds financial awareness over time.

Make Income Part of Your Plan

Relying only on savings or financial aid can leave you vulnerable when new expenses arise. Adding a steady source of income — even a small one — gives you more flexibility and control during the school year.

You can also earmark part of your regular income to put toward college.

Have Your Child Look for On-Campus Job Opportunities

Campus jobs are ideal for students because they’re designed around academic schedules. Positions like working in the library, staffing the front desk in a residence hall or assisting a professor with research offers steady income without heavy time commitments. These roles also eliminate the need for commuting and can build skills that support your child’s future resume.

Begin looking for student jobs early each semester. Most schools post openings through internal portals or their career center. If your financial aid includes work-study, focus on those roles first. They typically have guaranteed hours and are reserved for students who meet need-based eligibility.

Explore Flexible Off-Campus or Remote Work

If your child doesn’t qualify for work-study or wants more flexible hours, consider off-campus roles or remote gigs. Local businesses often hire part-time help during evenings or weekends, and online platforms now make remote work more accessible.

Your child can do tutoring, freelance writing, social media management or online customer service jobs, which they can do from anywhere with an internet connection. These roles often allow them to work around their class schedule and choose their own hours. Just be sure the job doesn’t interfere with their academics — income should support their goals, not compete with them.

Use Income Strategically, not Spontaneously

It’s easy to treat income as spending money, especially when your child feels suddenly rich after getting paid. But using your paycheck wisely builds long-term security. Set aside a portion of each paycheck for emergency savings, textbooks or recurring monthly needs like groceries and transportation.

Saving just $25 a week can go a long way. Over a semester, that could cover an unexpected flight or a medical expense. Developing this habit early lays the foundation for smart financial management after graduation.

Even with good planning, some costs may exceed your resources. In those cases, it’s important to know your funding options and choose the most responsible solution.

Talk to Your Financial Aid Office First

Before turning to private loans or credit cards, contact your child’s school’s financial aid office. 

Many colleges offer:

• Emergency grants for urgent needs
• Short-term loans with zero interest
• Additional work-study opportunities

These resources are designed to help students stay enrolled. You may also be eligible for a financial aid reevaluation if your family’s situation has changed since filing your FAFSA.

Personal Loans Can Offer Short-Term Support

A personal loan can help cover urgent costs like a broken laptop, unexpected travel, or emergency medical care. These loans are usually unsecured and offer fixed repayment terms, so you know exactly what you owe each month.

Many lenders now offer student-specific personal loans or allow a parent co-signer to help students qualify. These are often designed to be more accessible, especially for borrowers without a long credit history. If you’re exploring easy loans to get, start with lenders that advertise student-friendly requirements and simple online applications. Just be sure to read the fine print.

Before applying, compare:

• Rates
• Repayment terms
• Fees and penalties

Make sure the loan solves a problem, not creates a new one. Avoid borrowing for discretionary expenses like spring break trips or concert tickets.

Scholarships Aren’t Just for Incoming Freshmen

Scholarships aren’t limited to new students — many are available to current undergraduates, especially after their first year. 

Departments often offer awards for students who excel in a particular major or meet specific criteria. Your child may also find scholarships through professional associations, nonprofit groups or local businesses.

Stay organized by setting a monthly reminder to search for new scholarships. Ensure your child writes strong personal statements and keep a list of accomplishments or leadership roles to reuse in applications. 

Even a $500 scholarship can reduce your child’s need to borrow or cover surprise costs that pop up mid-semester.

Crowdfunding and Community Support Can Help in Emergencies

Crowdfunding isn’t a long-term fix, but it can be a lifeline in urgent situations. For students dealing with sudden medical costs, housing issues, or other emergencies, platforms like GoFundMe or university-run hardship funds can offer quick, meaningful support.

Be transparent about your needs and explain how funds will be used. Friends, family or members of your community may want to help but don’t know how unless you ask. Some schools also maintain alumni-funded emergency grants. A quiet conversation with a trusted staff member in the financial aid office could lead to unexpected support.

Read more: Why is College So Expensive?

Build a Long-Term Plan that Works for You

College can be unpredictable, but that doesn’t mean your finances have to be. A good long-term plan keeps you prepared and in control, no matter what comes your way.

Review and Update Your Budget Each Term

Your child’s needs will change from semester to semester — a new job, different class load or a move to a new apartment will affect their spending. Review your budget at the start of each term to add new expenses, adjust categories that went over last term and set new savings goals.

Make budgeting a habit, not a one-time activity. Treat it like checking your child’s grades or submitting assignments — part of the routine.

Get a Job

Summer jobs or internships are a great opportunity to grow your child’s savings. Even setting aside $20 to $30 per week adds up quickly. Use that money to: 

• Refill the emergency fund
• Pay off a small balance from last term
• Buy needed tech or supplies in advance

Your future self will thank you when the next surprise hits and you’re ready.

Automate Your Savings Where You Can

Setting up automatic transfers helps you save consistently without thinking about it. Many banks and budgeting apps allow you to schedule small transfers weekly or after each paycheck. Automating even $10 per week builds discipline and removes the temptation to spend it elsewhere.

If you have multiple accounts, set aside one just for emergency savings so you’re less likely to dip into it casually.

Know Your Financial Aid Renewal Deadlines

Many students lose grants or aid simply because they miss paperwork deadlines. Make a calendar of key dates each semester — including FAFSA renewal, scholarship applications and school-specific forms. 

Missing even one deadline can mean losing thousands of dollars in aid. Keep your paperwork and login credentials organized, and reach out to your child’s school’s financial aid office if you’re unsure when or how to submit.

Unexpected expenses are part of the college experience, but they don’t have to derail your progress. Planning ahead, staying flexible and knowing where to turn for help can make all the difference.

You don’t need to anticipate every single cost but you can build a mindset and system that absorbs financial shocks instead of crumbling under them. Whether it’s a tech emergency, an off-campus housing challenge or a health-related expense, the key is to stay informed and act early.

If you haven’t already, now’s the time to build your buffer, review your coverage and update your budget. A small step today could prevent a big setback tomorrow.