How do students typically meet their Student Effort?

To meet the Student Effort, students may choose to work during the academic year and summer, to use merit scholarship funds from an outside source, or to take out a small student loan. Many students find that their books, personal expenses, and travel expenses are less than Yale’s estimates. This reduces students’ Net Cost and the amount they need to earn or contribute. To meet the full estimated Student Effort through only term-time and summer employment, a student would expect to work 8–10 hours per week while on campus and earn $1,600 before their first year and $2,600 before subsequent academic years through summer employment.