'Easy to start, hard to finish' can describe many training and education programs. If you are a student who is trying to go to school while you work and/or take care of your family, it can be especially difficult to complete your program.

The resources below were designed to help you prepare for the challenges of balancing work, school, and family. By preparing for these challenges ahead of time you can increase your chances for successful completion of your T&E program.

Child Care
Trying to go to school and work can be especially tough if you have young children. It's hard to find someone you trust to care for your children while you're away from home, and good childcare can be expensive. Our Smart Choices for Childcare guide can help you find quality childcare that you can afford and help you think about back-up options so you are not faced with having to miss class or work to take care of your family.

Financial Stress
Let's face it, even if you were not going to school, finances can be very stressful. Check out the following tools to help you manage your finances and avoid financial stress that can lead to you dropping out of a T&E program.

• Find out if you qualify for benefits elsewhere on this website such as Food Stamps and the Earned Income Tax Credit which can help put more money in your pocket.
• Seek free or low cost financial counseling and develop a personal financial management plan. Just having a plan can reduce stress and help you to stay focused on school and not financial stress. Check out this list of programs from the New York State Banking Department that provide free financial counseling and education services in New York City.

Academic Needs/Tutoring
If you are having trouble understanding a topic or class in your program, or if you are having trouble passing exams or getting good grades, take action! Many programs offer free tutoring to help students stay on top of their school demands. You have nothing to lose by asking, and the sooner you ask the more likely you will avoid doing poorly or even having to drop out of your program.