This is what they suggest: At the start of school semester, write down your income
For example, money you will get form your family or from a part-time job. Then, list all of your expenses. Put your expenses in to two groups, those that change (food, phone, book, travel), and those that will stay the same (tuition, room and broad). Add together all of your expenses. Are they more than your income? Will you need to borrow from family or friend, or will you need to get more money by doing part-time work? Often, student find it is easier to plan out thier own budget, and save thier own money, rather than trying to borrow from others.