As a student in the WV WORKS Program, you may have access to some helpful extras you might not know about! Through the Department of Human Services (D0HS), you may be eligible for support with:

• Computers or tech for class

• Course-related equipment not provided by or paid for by Pierpont or other grants

• School supplies like paper, printers, pens, etc.

• Childcare assistance

• Help with transportation

To learn more or find out if you qualify, reach out to your DoHS caseworker!

Student Loans: Borrow Wisely

Most college students will need to take out some student loans—but it’s important to only borrow what you truly need.

Before accepting loans, research your tuition, fees, and living expenses, and create a budget to guide your decisions.

Financial Aid Reimbursements: Use With Caution

If your financial aid award is more than your tuition and fees, you may receive a reimbursement (extra funds sent to you after costs are covered).

Before spending that money:

• Be sure you’ve accounted for books, supplies, or fees you might need in future semesters.

• If you charge items at the Campus Store after receiving a reimbursement, those charges may be added back to your Pierpont account, creating a balance you must repay.

• Unpaid balances can place a hold on your account, preventing you from registering for the next semester.

The True Cost of Credit Cards

Credit cards might seem like a helpful way to buy now and pay later—but high interest rates can cost you more in the long run.

For example:

A $3,000 credit card balance with a 21% APR (interest rate) could cost you over $5,200 if only minimum payments are made—and take almost 6 years to pay off!

Smart Credit Card Use

• Only use your card for things you can afford to pay off in full within 1–2 months.

• Credit cards can help you build credit, protect against fraud, and track your spending—but they’re not a way to live beyond your means.

• Building good credit habits now will benefit you later when you apply for loans for a car, apartment, or home.

• Try DIY projects and barter services with friends (e.g., trade baked goods for help fixing something)

• Look for student discounts—but avoid impulse buys just because something is “on sale”

• Any money saved? Add it to an emergency or savings fund

Textbooks can be one of the biggest college expenses—but there are ways to save:

• Rent or buy used books when possible

• Check online retailers for lower prices

• Borrow from classmates or students who already took the course

• Ask your instructor if alternatives are available