If you are offered student work-study, you will need to work in order to receive those funds. If you don't want to work, you may have the option to convert your work-study to a loan. Contact your financial aid office to see if you are eligible to do so.

A number of recent studies show a correlation between good grades and working a small amount (10 to 15 hours per week). In addition, work-study is an excellent tool to gather work experience necessary for finding employment after college. If you choose not to work, you can decline the work-study funds offered and often replace those funds with a student loan or summer employment.